We will most definately be paying off our loan before our first trip "home"
Bought DVC Nov 01, had a cancelled cruise Nov 02 which has been rebooked to Nov 03. Not sure if financially we can make it "home" Oct 04. If not it will be Oct 05.
DVC will be paid off either this Oct or June.
On a positive note, when we make it on the Magic this Nov our DVC will be paid off! We literally will come off the ship not owing anything for the cruise itself.