I recently purchased a property in Milwaukee, Wisconsin and will need to replace the oil fueled furnace as it is almost past its design life. I really want to install a geothermal system but from some of the stories I have read on the forum it sounds like the project could cost upwards of 20K to 40K. I don't mind making the investment, but I don't have 40K burning a hole in my pocket, so I was wondering how did those who did a retrofit geothermal installation pay for it? Did you just have 40K burning a hole in your pocket? Do the contractors who do the install have payment plans? Are low interest loans available for energy efficient upgrades to a home? I found one website, Energy Finance Solutions that offers loans for geothermal installations, but the rates range from 9.99% to 14%! I am aware of the state and government tax rebates, but I won't get those until after the fact.