 And $854 a month, well, that's like a $10,000 a year raise, and that's the difference between being in the black or being in the red for so many families, especially with credit card interest rates 21% or even higher, and carrying a balance month to month that's killing people financially. Anyway, the great thing is you get a free, no-obligation consultation, and call our friends at American Financing now, 866-615-9200, 866-6255.