You also haven’t used it, so everything you say is basically useless. If you don’t have anything constructive to add then go do something constructive, go play with you kids, workout (I’m sure you need it).
Resorting to insults when logic fails…. I added plenty constructive info(review the posts at your liesure). As for having to use it to find out if it useful? WRONG. I know how loans work.. all I have to know is that side to know if any program can make the loans go away faster without any prepay. I also have a very strong math background (Engineering before Investment).
