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Originally Posted by Great to be Debt Free
Now, one other thing to take into consideration and my actually discount my opinion above, but, if you were to run into problems with the orthodontist and it is already fullly paid, you may not have as much leveraging room as you would if he/she has not already been paid in full.
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I thought about this and also just the general idea that I'm paying someone now for something they won't actually do for 18-24 months. That just bothers me somehow. If my auto mechanic asked me to pay him now for the next 2 years of service my car will need, I'd think he was nuts.
I hate debt as much as the rest of you, but even with the 5% discount, I think it is the orthodontist who is getting the better end of the deal.