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Discussion in 'Credit Talk' started by jr, Nov 7, 2000.
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If you make a minimum payment of $120/mo. on a debt of $5,800 at 18% interest, it will take you 328 months to retire the debt.
Basically, a little more than 27 years.
(as an example):
you owe 5,000$ @ 14 APR.
* If you make the MINIMUM payment based on each months bill it will take: 25 years or so.
* If you make a 100$ payment EACH month it will take you around 6 years
* If you make payments two times a month @ 50.00 each it will take around 5 1/2 years.
Don't do it. Always make large payments and make them early. Use credit responsibly.
You better off paying $120/week.
I came up w/ a different calcu
I have this little excel spreadsheet program that calculates this stuff and according to it:
If you make $120 payments on a $5800 balance at 18.3%, it will take you 88 months with one final payment of $32.27. The total amount you would of paid is $10592.27.
328*120 = $39,360
Doesn't make sense on a purchase of only $5800????
I know the program works because I entered in all the numbers for my auto loan and they came out the same, only off by a few pennies.
If anyone would like this program...let me know and I'll email it you you.