OK cool. I was just adding all the payments listed on the post. I got confused too at post 24 when you said the refi was paid in full before I paid that interest. Its no problem. Your numbers are probably right. It has taken me a while to make this go away. In the past I kept 1k or more in points on hand and always paid my loans with winnings but I took 2 bad losses on games that wiped me out which had never happened before. Thats why I took the 200 loan to try to get some momentum but just couldnt get rolling. At least all my cash bets are going great.