this has a lot more to do with the type of nature and attitude you have, if you are able to be in one place, be it work or house for more than a year , there are far more chances of you paying off the loan , because you are stable in life. it does not like its roots touching the cold aquarium bottom. how long do the affects last? for example, several accessories such as a body cover and a muffler for the engine are relatively inexpensive. i kept thinking that i was missing something and well, i was. 