Steve Babiak, I am uncertain if I will follow through....with auctions,and that is why I stated that last line impulsively.

Not having read the rest of the thread, my first impulse - in your case - would be to say pay off your student loans first.

I can't believe most of you immediately are talking bad about said friends...I am starting to get the feeling people don't really use logic to think and jump on things only using emotion, impulse.. tsk tsk.Here is my take on it...