> Edit: Were you banning partial repayments? Most debt (I think) is not like that, but maybe it makes your math work It does make it work assuming that partial

> Edit: Were you banning partial repayments? Most debt (I think) is not like that, but maybe it makes your math work It does make it work assuming that partial repayments are not allowed, and interest is added to the principal (and paid off at the end) instead of being paid as it comes due. I don't think either of these is realistic, especially the second one. Also if I assume a savings account paying even 0.1%, it goes back to being payable in either order.