Part of me wishes I could renegotiate, but I've been far too responsible and taken far too few risks so even though each month I barely scrape by (just sent my mortgage payment this morning with only five days to spare!) I doubt I could qualify for a restructure, and frankly with only 14 years left at 5.5% I'm not sure it wouldn't put me in a worse position if I did.
So I just have to hope I can keep scraping up that mortgage payment every month for 14 more years.
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