From reaching up to a 3% down payment, one owes and pays interest on 32 times their former net worth, for a home they are highly committed to. Paying it off may

From reaching up to a 3% down payment, one owes and pays interest on 32 times their former net worth, for a home they are highly committed to. Paying it off may require an entire lifetime of work and obedience. Attempting to move will require the expensive and/or time consuming effort to find a buyer. I don't want to just be a complainer about it, sometimes life simply is that difficult, but it bears cognizance that this is an exceptionally tough spot to be in with or without access to debt.