Dianne, I just read read the statement at the bottom of your post. It says "If it doesn't feel good, don't do it twice."
Maybe that's a message to you and your son. Maybe if it doesn't feel good to him to miss the payments, he won't do it again . And if it doesn't feel good to you to trust him to make payments that he doesn't you won't do it again.

Of course, as we all know, when you love someone, a lot of good advice just goes out the window.
smile