I think there's some of both. Plenty of people with low interest rates have little motivation for payoff. But if you are moving right now for any reason, you a

I think there's some of both. Plenty of people with low interest rates have little motivation for payoff. But if you are moving right now for any reason, you aren't likely to be taking on more debt in the process. There's a pretty strong incentive to do what it takes to get debt to or near zero.