I was definitely looking for opinions each way and everyone's experience!! With your figures this year for me will actually almost break even, only because I would be offered the free tickets and it would only cost me $160 to add the rest of our days. I am paying $1100. to stay at POP plus $for tix that money would be my down payment. Next year I will have 2013 and 2014 points to use which I will most likely get a bigger room for my brother and his family to stay, ask him to purchase our tickets In exchange for not having to pay for a room and come out the same next year!! We hope between paying extra and two tax returns that we should be pretty close to paying it off sometime in the 3rd year. I can't say this is what will happen but it sounds like the best plan we can concoct if we choose to go that way...lol Thanks on the well wishes and for all your figures and feedback!!