In today’s economy the mindset is to pay down the debt or get out of debt completely.  The problem these days is that there is not enough income and too much debt.   People need to find a solution to reduce the debt and reduce it fast.  One way to do this is to make additional payments to principal which will result in interest savings. The secret banker’s rule is if an interest rate is at 5% then the ratio is 1:10 meaning that for every one dollar going to principal ten dollars will go to the bank in the form of interest. So when paid upfront (additional payment) this gets reversed, in your favor.  It’s hard for people to come up with the additional payment nowadays. Find out how you can accomplish this without the money coming out of your pocket. Yes it’s very possible. One way is rearranging the way you pay your bills.

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Here is the truth behind why loan modifications are so hard to get.

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