I don't think the OP has any idea how to even use the resort if she wanted to.
She has been getting points deposited into her account, and I'm sure a good deal of them have expired.
One thing she needs is a very basic primer telling her what she even has.
CCP:
TUG has an entire section on Hilton.
I think that giving it two hours of your time, you can have a much better understanding of how the Hilton system works.
Two people have now told you that you can offset some of the financial pain with rental income.
You might have a lot of points in your account, which you could use to reserve a couple of very good weeks at in-demand resorts that you could rent out.
Might bring in a couple of thousand dollars or more if you seek some advice from other members. You can put that directly toward paying off the purchase.
When we read that you get 3400 every other year "whatever that means", we all cringe a bit.
Since you are paying so much, it behooves you to learn about it, because right now you are losing potential income from not using those points. They have value and they do expire.
Start with
this thread
You will no doubt have questions.
Your goal should be:
1) Find out how many points you have (some have no doubt expired)
2) Know when the points you have expire
3) Post on the
HGVC section that you have X points and want to know how to maximize those for renting
I don't know Hilton. Maybe you can rent the points directly to people. Maybe it's better to reserve weeks against those points and rent out the weeks.
At this point, you might have enough points to book a prime week in Hawaii and rent it out. Or two or three weeks in Las Vegas at the resort itself.
In any event, there is some lemonade to be squeezed from this lemon. Renting will take a bit of work, but everything worthwhile does.
EDIT: While you are looking up your points with HGVC, might want to triple check that your Ex is not on the deed or loan in any way. We are all assuming he is NOT on it - which places the financial burden in your lap. But who knows...