That is a great question. First the balance was growing every month as she chose the lowest “pick a pay” option. There were also 2 refinances in the course of the 8 years so I am certain there were additional fees in that scenario that added to the outstanding principle balance. Then there were some home repairs that were done.
Can’t itemize out how all that money was spent, and not trying to make excuses for people. I am certain if her mortgage broker didn’t do the loan she would have found another one that would.