Update

So the payroll guy said I can have until August or even longer if I want to pay it back (provided I don't tell anyone). Guess I'm breaking that, but no one will know I mentioned it here ;) He's going to work out a few options and let me know what my net pay would be for each. It just sucks, but nothing I can do about it.

I'm mostly sad because it means we have to put off having another baby for an extra year. Pretty bummed about that. And I want to apply for a Masters program for this fall. It's paid for but I have to pay for the application fees and any book costs above $500. That would have been fine before this, but now I'm worried it'll just go on credit card. But I don't want to put off school for another year (provided I get in, that is).