Vicki: Sorry to hear about your divorce -- my husband and I have both been down that road and it can definitely put a strain on the finances! Have you considered renting out your points for a year or two; doing so might give you the breathing space you need to get back on your feet financially and, long term, you'd still have your points in the end! I've also PM'd you. Best of luck with whatever you decide to do! EDITED TO ADD: I must have clicked the "New Thread" button rather than replying to Vicki's original post. Sorry about that!!!