I got a chuckle out of that... I'd be very interested in hearing if this was ever done in the history of consumer loans (from a reputable financial institution)

I got a chuckle out of that... I'd be very interested in hearing if this was ever done in the history of consumer loans (from a reputable financial institution). Don't get me wrong, I've got a 4% mortgage so would totally go for some of that "reduced loan payoff" stuff, but it's not realistic.