 I'd highly recommend people check with a professional before ever doing that because you can't undo it. So how it works is instead of generally when you have a loan, you're going to pay a specific percentage of interest on that loan and you're going to have to pay that percentage over the life of that loan, right? And Dave Ramsey and everybody else will also tell you this. You want the lowest interest rate possible and you want to pay it back as fast as possible. And that is sound advice unless you're talking about student loan debt.