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I paid $12330 for down payment and made one month payment of $980 and still owe 45k . I am thinking just go ahead and make payment and try to make a lemonade out of lemon. I get to have 900 weeks of all inclusive fir life time and can transfer to my kids. They have 18 in house resort including Jamaica and Dominican replublic. Thank you fir your reply . Please advise. I am a US citizen . I am concern about ruling my credit Regards,