The IRS wants the debt paid as quickly as possible, so usually they will seek the equity in assets that can be tapped and then a payment to get the debt paid, so in this case the 6K. However, there are some exceptions:
1. The one year rule (use actual expenses for one year then RCP calculated payment for the rest)
2. The 60 month rule (use actual expenses so long as the debt is paid within 60 months
3. CSED if the case can be made (the IRS Revenue Officers have some discretion so long as it is a full-pay IA).
I would propose whatever of the above is best for the client.