 you know what they were paying payments on that 25 if you just put that in the bank from their age now put that in a mutual fund from their age now till 65 that's millions of dollars that that that that debt would have cost them that's not going to cost them now and it's not going to make them because your most powerful wealth building tool is your income and you get it back when you don't have to give it to everybody else the borrower is slave to the lender the bible's not kidding