I think what they are saying when they present cutting the payment time in half without making any changes is that you are not makig changes to your consumption. It is just taht all of your now discretionary income is going to the loan innessense giving you a payback of whatever thye intest expense is on the loan.

I wouln’t say it is the baffle them with bullshit but I would tend to agree tht a lot of this stuff is way easier to manage these days with online billpay and automatic payment . We are not in the days of checking anymore.

But it is funny how this is backwards. By this I mean the people who benefit the most are the undisciplined people but they have no discipline so it won;’t work.

The disciplined people don’t have as much benefit because of their discipline but they can generate positive gains from the program even if they are marginal gains.