OKAY SO. For that, he'll be throwing on a pretty hefty monthly rolling/ compound interest rate- he'll start at around 20%, but Mr. Gold is welcome to haggle it down from there. If we don't include the grace period and assume he got the interest rate down to, like... 15-17% (I'm assuming he's pretty persuasive!) he'll end up owing around 120-130k by the end of a 6 month period. Is this all making sense so far/ do you want to fudge things? I'm totally flexible if it's too harsh for you!