forget to mention:
(3) if you use same payment plan in (2) with 4.875% fixed rate, you will pay off your loan in 256 months (21 years 4 months)
At the end of 5th year, your principle is 220k for case (1), 159k for case (2), and $172k for case (3)
(3) if you use same payment plan in (2) with 4.875% fixed rate, you will pay off your loan in 256 months (21 years 4 months)
At the end of 5th year, your principle is 220k for case (1), 159k for case (2), and $172k for case (3)
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