Underwater loan

I think you have already answered your own question. As long as you can afford to continue making payments that is the way to go. At some point in the future you will reach a "break even" point and then sell it as fast as you can to pay off the remaining balance. At our age, the years go by really fast and the break even point will get here sooner than you think. Sorry to hear of your situation but don't keep beating yourself up about it. You are obviously a decent, responsible person who made a poor decision, but you can work you way out of it. Hope your husband's health improves soon. Good luck.