We wanted to keep our monthly payments similar to what they are now, and we can do that by splitting it three ways.

They are shocked by the increases (in monthly payments) they are getting.

Some monthly minimum payments could be twice what they were.

We're a what's-my-monthly-payment nation. The idea is to have my monthly payments as high as I can take. If you cut interest rates, I'll get a bigger car.

Compared to the 30-year fixed mortgage, the 40-year fixed mortgage offers monthly loan payments that would be less than a 30-year mortgage on the same house.

We will continue with similar monthly events but a year-long program is very costly and hard to advertise and organize.