I just say that depending on coming up w/11250 nuyen each month just to pay the interest is, umm, bigger brass ones then I have...
You miss one payment, now all of the sudden the principle is 123750 and you got to come up w/ 12375 next month. Plus the unhealable damage you get for not paying that month.
I'd consider trying to do without borrowing so much.
The positive qualities perfect time and overclocker would allow you to use a Little Hornet as effectively s the novatech you're using now- and at a fraction of the cost But if you want a higher end deck the Azteca 300 is slightly cheaper and will give you 1 better limit in the attribute you are using at the moment.
A cyberdeck functions as a commlink so I'd save the money on those two commlinks you bought and just have a pair of metalinks as burner phones. You can save more money by dropping the alpha grade om your cyberware.
I suggest dropping to Skills B and raising you attribute choice because your hurting in that area badly.