I trust you to make an assessment about what you have the capacity to pay. My suggestion is to take a look at a budget calculator and see what you can really afford at this time. There are many free online tools that may help you look at your finances prior to filling out the application below. Google “budget calculator” if you need help finding one or use one of the tools below. 🙂 

• Here is a simple budget Calculator from Quicken: https://www.quicken.com/budget-calculator   
• Alternatively, it might be helpful to Make a Budget to see whether you’re making more than you spend or spending more than you make:
• Federal Trade Commission Fillable spreadsheet: https://www.consumer.gov/sites/www.consumer.gov/files/pdf-1020-make-budget-worksheet_form.pdf   
• Worksheet from Nerd Wallet: https://www.nerdwallet.com/blog/finance/budget-worksheet/   
• or any of these many templates: https://www.nerdwallet.com/blog/finance/free-budget-spreadsheets-templates/