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I'm going to be blunt: this kind of thinking has me concerned for your daughter, who is developing tics, a sign of stress. And you want to blame her teacher. You ask about collecting SS and...

The term of the loan is irrelevant. A 30 year mortgage, so what, you SELL at the end of your stay, and that lump sum goes to pay off the loan, and you either get what's left or you pay what is still...