If at 37, a $30K hit is ‘insurmountable’, then you are probably a loser. 30K is like buying a cheap car - and while it would suck to lose 30K, it should be ‘surmountable’ for a hard working person.
Yeah, I was flat broke and owed over $34K at 39, in 1994. I worked hard, lived frugally, and paid it off in about 3 years. After that I kept working and retired at 65, not really wealthy but not destitute (yet).