 You can get rid of all those minimum monthly payments. Get rid of the confiscatory, the usury interest rates. Substitute it with a rate of 6.5%, 7%, maybe 7.25%. I don't know. But up to $10,000 of that is tax deductible. It's a no-brainer. But it costs you nothing to find out how much you can save. Just check it. Just ask them. All it takes is a quick call to American Finance. If you start today, you might be able to delay two mortgage payments.