You're asking for advice. We're giving it to you. Some of us have been there, some of us haven't. That being said, I've been there. None of what I said could ever make your situation worse. But it absolutely could benefit you.

If you're so set on keeping the bike, keep it! Just know that financially, it's 100% the wrong thing to do. This is a thread about your finances right? Don't ask for opinions and get hurt when someone who has had 1. More financial history, 2. more financial experience and 3. more financial success offers you solid (i don't see what was so offensive about telling you to sell your bike) advice as to how to improve your situation.

The plain facts are these. You're shit deep in debt so you ask for advice on how to proceed. You are OVERWHELINGLY advised by the majority of people here to 1. Pay off the bike and 2. sell the bike and the lude.

You agree with selling the lude, but not the bike because you feel it financially is more beneficial to keep the bike. How about you sell that bike and buy a cheaper 250? Wouldn't THAT be a better financial choice?

It's plain as day that irregardless of what or how or at what frequency we offer sound advice to you, our words always fall on deaf ears. Keep your bike.

I'm done. Your requests shall fall on my blind eyes.

edit:

"Thanks for the input, I appreciate it. You are right about the risk factors with the bike. I could only hope that if a wreck is bad enough to put me in the hospital, then that it'd kill me on impact.

But I'd rather not think about that "

This is part of immaturity towards your situation that causes me frustration.