I'm surprised so many people would pay the Z off if they had spare cash laying around. Even if you spend 5 or 6 grand over the life of the loan in interest, you get to the keep all that cash in your "pocket" for 4-5-6 years. Properly invested one could expect much larger returns than the cost of the interest. Especially with the turmoil in today's markets. Those in the know will make a killing.
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