Casa Adalia

I say keep the payments due lower

There is no guarantee for the future. And, she can always make higher payments (snowball). That is what is saving the interest—paying them off quicker.

Helen

P.S. I speak from experience. My hubby and I were making good money–I changed my student loans to higher payments. Then, I lost my very secure teaching job—and got behind. It took me forever to straighten it out. Had I kept the payments smaller—we could have made the monthly payment during the job loss and not had to worry about it.

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