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  • Oh really?
  • Hey that's not too bad, especially for your credit score. I also got a loan last night.
  • Yep! I found a really well respected company that had a loan for $20000 paid back over the next 10 years.
  • You wasted your time talking them down 1.5%? That doesn't seem worth it.
  • What's your interest rate?
  • Well it was originally 9% but because of my credit score I was able to talk them down to 7.5%.
  • I wont believe you until I see the math behind it.
  • Alright Ill do the math next block and show you later.
  • You'd be surprised how much that 1.5% can do.
  • Wow that's almost 2 grand!
  • So I did the math... at 9% I would pay $30,402.19 at the end of the 10 years. At 7.5% I would only pay $28,488.42. That's a lot of cash when you think about it.
  • I also did some math based off the percents you got.
  • Oh wow I really wish I had found a better deal.
  • At 10% you would pay 31,716.18 total after 10 years. That's over $3200 more than what I will be paying!
  • It would've been a lot easier if you had kept your credit score higher.
  • Well remember that going forward and try to stay on top of your payments.
  • If I had another chance I would really make sure I paid my balances on time.
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