Consider the premise. Does the hypothesis stand independently without contradicting or following it? Premise: um yeah we've tried to do that we've paid ours off you know all the way down to where we had everything down to zero and especially right before i i quit work two years ago to stay home with the kids Hypothesis: We have paid ours off all the way down to zero.  
um yeah we've tried to do that we've paid ours off you know all the way down to where we had everything down to zero and especially right before i i quit work two years ago to stay home with the kids###We have paid ours off all the way down to zero.  