I don't know much about dvc although we did buy in once about 11 years ago. (they approved us for bwv with me having no job and my at the time bf (now dh) only making $8,000 a year!) After we got home we realized we fell for every trick in the book they were pulling on us and realized there was absolutely no way we could've afforded that at the time. Just young college students then! Anyway, how many points does it take for a vacation? I realize it must vary depending on which resort, where you stay and time of year. But can someone explain it to me? How many years is your loan for? How much are the maintence fees now?