to the OP, I will never ask a question like this on here, when I hear comments like you made a error when you bought this and everyone tells you to do something or another, it just proves no one knows what their talking about(me included) when it comes to someones elses decisions. Do whats best between you and your wife on this and be thankful you are not in debt and wanting to get out. You have a way out if you choose either way. Are you closer to a decision because of us? How many people gamble hundreds every week and get nothing in return? You are one up on them!