Definitely agree that moving the money into savings may not make the most sense. Unless the interest you earn in savings out-paces the interest you're paying on

Definitely agree that moving the money into savings may not make the most sense. Unless the interest you earn in savings out-paces the interest you're paying on the loan, paying off the loan is always better. That's why we want to solve this problem. The longer that people wait to pay extra money towards loans, the more interest they pay.