Damn , the shaed looks really cool , this is really good ! <| sep |> Yeah a lot of this is a problem with Nintendo itself making like half their products limited in some capacity . <| sep |> Any comments on the relative advantages of the strategy I propose at point 2 ? That being to pay a minimum monthly deduction part of the payment going to interest and thereby generating a credit and paying a larger amount in a lump sum which would be applied directly against the principal ? Paying down the principal faster is what we ' re talking about . By paying off principal , you are saving the interest that you would have paid on that principal amount . By waiting to make a lump sum payment towards the principal , all you are doing is incurring additional interest between when you would have made the larger payment initially and when you finally do make the larger lump sum payment . When it comes to putting money towards the principal of any interestbearing amount whether debt or investments , sooner is always better .