I'm not sure if your interest rate is 4% or 2.9% but keep in mind that the difference between 4% and 2.9% is about $10/month. Worth doing as it saves $120/year but $10/month should not break the bank.Back to payments. I pay a little over 310 per month, with an interest rate of slightly over 4 percent.
Noticed the bank the loan is through has 2.9% financing last time I paid my bill, so next time I'm in I'm going to see if I can get it lowered to at least that. Like the bank but if they won't budge I'll be shopping around.