I agree with everyone who would not get involved with this. Every time I see some amazing program like this, I think of that line from The Princess Bride- something to the effect of 'life is pain and anyone who says differently is either lying or selling something.'
When you borrow a dollar, you have to pay back a dollar plus the interest it accrues as the months go by. If you pay an extra dollar on your mortgage principal this month, it's 1 dollar you'll never accrue interest on again. Pay $500 and it's $500 that will never accrue interest again. There's no magic pill here, just simple facts. The fact that the program is made to be confusing should set off red flags. I do see where someone with extreme discipline could save a couple of bucks with the average daily balance computation (didn't they say you will save about what you spend in software for the program?), but I also see this as another way to get behind for the not-as-well disciplined.
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