while (monthlyPayment < lowPayment && !warning)
        {
            System.out.print("The monthly payment amount entered is possibly low, furthermore, this might cause a high amount of payments. "
                + "\nIs this fine? Y for Yes, N for No: ");
            userInput = keyboard.next();

            if (userInput.equalsIgnoreCase("Y"))
            {
                warning = true;
            }
            else
            {
                System.out.print("\nPlease enter monthly payment amount: ");
                monthlyPayment = keyboard.nextDouble();

                while (monthlyPayment < 0)
                    {
                        System.out.print("Invalid entry for monthly payment amount. Please enter monthly payment amount: ");
                        monthlyPayment = keyboard.nextDouble();
                    }
            }
        }

        return monthlyPayment;