I know what the answers will be, I should have kept it, you shouldn't have spent it etc! I know that and for one reason or another I have. I was supposed to leave the Army last year and was paid my resettlement grant. Then a nice big carrot was dangled from MCM and I ended up reversing my decision and staying in. I was told to wait until I was asked for the 10k before giving it back. Over the last year and a bit it's slowly whittled away and now they want it back! What options do I have to repay other than taking out a personal loan?