<prompt> Translate the following text to EnglishHii ni kwa sababu miaka mitano ya mwisho haijalishi ni nini, lakini kwa sababu ya kuvutia zaidi, malipo yako ya malipo ni ya chini.  <response>: well five years is not that uh you know five years is not that bad of a problem only because youre paying more interest but your um payments your payments are lower 