Being guided (reluctantly!) out of my comfort zone by Ashley is the best thing I've done in years. My loan term is now down to 10 years (so no longer the day I hit 65); my interest rate is fully half what I had been comfortably paying without really thinking about it, and my repayment amounts are almost identical to what they've always been. It wasn't easy stepping out and making an effort, but what amazing rewards: I'm now debt-free (beyond mortgage), able to save and plan for long-wished home improvements, with realistic time-frames like "2 years" to achieve those things, not "hopefully one day", as it was. If you're like me, not a spring chicken and loving your regular payments going out without having to think about them - but also wondering if you could/should be taking advantage of changed conditions for the sake of your family - then take the plunge, step out of your comfort zone for just a few months. The feeling of taking control and making huge strides in that time is just awesome, a genuine new lease of life.