so, 14% of our "income" is going just to make payments on loans. and this year we also paid down the principle on that with a sizable (6% ~ about three weeks of pay) chunk of extra cash we had on hand. what are these loans for? what are we borrowing money for? 'cause, if its for a mortgage on something new we are buying, or building, then this wouldnt seem all that out of whack. but, if its just for normal daily, runnin' the government kinda stuff then yeah, this is unaccepatble. but then how much would we save by not having to deal with private bankers? or, are we just spending more than we have coming in?