I feel that most people use TVM without knowing it since, in a way, it can also be a budgeting tool if the payments are too high based on the interest rate and just paying off the principal of a loan. If the loan cost is too high for what you are already spending, are there things you can cut back on to save some money to pay the loan off, or is it something that can't be done at this point until something else in your life changes?