All I say is, you do whatever you want for you and your family. No bank or anyone else for that matter cares about you, your health, your family, or whether or not you have to beg borrow or steal to pay back that debt. Remember, it was our politics that put us in this state, our own Irish political people, that shafted every single man woman and child of this nation. You have the right attitude, make them an offer, if they dont accept it, then thats their problem, if they accept it, off you go to OZ and work away and pay the debt, even when you are there, you may decide to hell with them, dont bother paying anymore.
The problem we have in this country, is we can only stand up for ourselves, and cannot stand side by side to fight for our rights, my attitude is, to hell with the banks (AKA, Corrupt Mafia baX$&ds and politicians), they all have their pockets well lined with money for the rest of their lives and families.
Enjoy OZ, have a blast, raise your family in a beautiful country and look after No.1.
Mike