Ah, thanks for clearing that up. I think I'm part of the new, or at least newer system. I also vaguely recall they upped the 15 years to 25, but for me it's not

Ah, thanks for clearing that up. I think I'm part of the new, or at least newer system. I also vaguely recall they upped the 15 years to 25, but for me it's not a big issue as right now I can pay my monthly calculated amount without issues.