alot of valid points here, as said the repayments on the student debt are really low and a 225 would be great but i always remember how it felt for me to become debt free a few years back, it was great and i'll never borrow another penny again (i hope!!!). I have no debt now and im now in a position to by a 2nd hand r26 outright but with the new meg coming out i might wait to see what happens to the prices.
As said before is keeping the rb182 not an option? At least you know it and you could end up with a bag of worms with a ph1 - although you have sold alot of the mods now so not a good time 2 change your mind.
Good luck making the decision, its a tough 1!