[legion]

Yeah, I've been paying the same $150 a month steadily for years.

I think it's weird how they amortize the interest, because the payment dropped over the life of the loan. It started out at $147.57 and was around $30 before I got so far ahead with pre-payment that it went to zero. IIRC, the loans were due to be paid off originally in May of 2010, but I refinanced four years ago, which streched the payoff to 2015 or something.

Now I'm debating whether to throw the money into a savings account, my 401k, or my Roth IRA. I don't want to get used to having it. I'm leaning towards savings account as I want to finally build decent cash reserve. In the past year I've gone from always having credit-card debt to paying it off every month. I'd like to go in the other direction and actually have some emergency cash. (I have some, but not as much as I'd like.)