@skijay at some point is it not about enjoyment and love of the sport and being on the water with friends. I know this i have not paid for a set in 4 years? My ski partner pays for everything, all i have to do is show up and drive.a 10% loan is just nuts! any fool with enough money for a 70k boat should have better credit not to get that kind of rate. If not he shouldt be buying a boat.