i hate it when loans get kinda small, like reasonable that "if you moved some money around ..." you could pay them off entirely. i hate this because it presents a choice. when a loan is so large there is no possible way you could pay it off, you pay your payment, or you decide you can afford a bit more than the payment, and you pay that. simple. easy. but when a loan gets down in that "if i just sold a few shares of company stock ...." low, you are presented with the idea ... that you should possibly do this. never mind that you just spent years of a your life affording the monthly payment, and will continue to be able to afford the monthly payment the 2-10 more payments.
maybe im just impatient.