A- REPAYING DEBT COMPLETE EXCEL SPREAD SHEETs (4) for 4 different LOAN PAYMENT TYPES FIND THE PAYMENT type that MINIMIZES total interest Use Excel Cash Flow Diagram if you can ( See Videos) Bonus: You can create your own payment plan to see if you can further minimize Total Interest - Constrains - Don't have the funds to pay the loan upfront Third year you have refinancing option came up 2.5% but cost 250$ Try to implement it (Hint : Cost of Refinance increase your balance)