<prompt> Human: Using some hypothetical numbers if an interest of 10 can be moved into a 4 whats the point? I thought the interest rate cost is front loaded in loans or does that matter on the type of loan?10 of 2,000 would be a 2200 debt, wouldnt transferring to a 4 loan become a total debt of 2288 at this point? In that situation shouldnt you just stick with the original account?  <response>: Theyre not front-loaded its just that more money goes to interest because the principal is large at the beginning. As the principal decreases so does the interest. As interest decreases then the amount to principal increases which leads to less and less interest over time. 