Interestingly, I wrote about this something back in June as I was going into On9 Systems full time.. Had a discussion over dinner at Dempsey Hill with some friends and the question came up again as it seemed that by making extra payments, the loan term would get shortened. Is there a good way to determine this? There is just such a calculator that can help in the link below. Guess everyone had different financial situations and resources but think we’re still got to stick to the 30 year loan for now. Guess I’ll review on an annual basis just to see where we are.