Hello,
I would never pay that much, nor I wish to have a debt that size going integrated route. But each to their own.
Modular route for me, married, with a 4 year old, my main source of income is my monthly wage where I try to take a percentage and put it on a savings account, however I do try and do as much overtime as possible at work to try and increase the flying fund bank account.
It is not always easy when one spend most of the time working and doing overtime, but it has to be done, because in the eventuality that I have to ask for a loan I would like to ask for as less as possible.