Mo        Principle Remaining         Mon. Interest         Mon. Payment
1           $21,500                      $107.50              $356.32
12          $18,693                      $ 93.46              $356.32
24          $15,451                      $ 77.26              $356.32
36          $12,008                      $ 60.04              $356.32
48          $ 8,354                      $ 41.77              $356.32
60          $ 4,473                      $ 22.37              $356.32
72          $   354                      $  1.77              $356.32

Opt:        Pmts Remaining   Mon. Payment  Total Interest   Saving from Current
 1 Do Nothing         48           $356.32         $1,931.13       $    0.00
 2 Refi 72@3%         72           $230.52         $1,425.33       $  505.80
 3 Refi 60@3%         60           $272.62         $1,186.26       $  745.87
 4 Refi 48@3%         48           $335.82         $  947.46       $  983.67
 5 Refi 36@3%         36           $441.22         $  711.92       $1,219.21