Ditto for me minus the insurance and great salary. I am on my own, and I have one full time job. I'm lucky that my T and the group I'm joining work with me, and the already low rate I was paying has been reduced. I think regardless I would try to make t work, even if it meant paying more. I'm worried about my life in the future if I don't continue with this. If I had to get a second job to pay for t, then I would.