"The lady doth protest too much, methinks" If you have anything of substance to add to this discussion and show the flaws in the logic or arguments I present to support my position, please don't hesitate to tag me.  

(IF) your sister-in-law is dealing with substance/drug abuse of some kind then you could encourage her to check into a rehab then you and your wife could help sort some things out while she’s getting help for herself. 

Haven't received a hint of any real substance yet as to what your mission is getting or not getting a degree @Nicholas Patrick.  

Yes, interest only loans can work, but that is a different strategy I refer to as a form of "cash like substance".  

It's hard to find the substance you're looking for on a best seller list.

Did my B.S. in Chemical Engineering and then M.S. in Mechanical Engineering and another M.S. in Engineering Management.

You will get efficiencies of scale with chemicals and service calls.

That stuff made in China is known to have formaldehyde-a cancer causing chemical.

Need to add some chemical may be once a year.

There are some rough areas crime wise, and there is an area that you'll want to avoid affected by the "Collesium Plume" chemical spill area.