Thank you very much for your comment, I appreciate it. The $3000 debt is actually not much of a "big deal" compared to many others I know of. I have many friends with more than $10,000 in student loans.
I am definitely not interested in any power downs at all, as it would mean that I would have to undelegate the people I delegate too and that really doesn't work for me when my intentions are to help others to grow and to improve the overall experience on Steemit. Also, it would be a bad thing to do, as I am also trying to grow my own account at the same time.