text:  i wouldn't do that they've got 18 000 saved assuming that you have control over this money i would just take that 18 000 and bridge the gap and get rid of it zero it out and then that puts them at what 22 000 in debt yes yes the other 22 is a car that they owe 10 on and um what is the rest of it it's a there's a trailer how much is the trailer