 um it would they would make us do at least one full year you have to make one year of payments before paying it off early yeah you wouldn't be able to pay off the lump sum until the year's up what is there a penalty if you do what's the stipulation there they won't take your money uh yeah yeah there would just you have to do like the full full year of the interest payment that's the dumbest thing so that's the penalty essentially is one full year of interest