I finally decided not to take their offer. Ten months is a long time for something to go amiss and then interest galore could happen. I'm old and may not make it one way or another and things could be problematic for my son. So onward on regular payments I make now. Just with interest! Oh well, sounded good. I will have it paid off by then anyway, which they know. funny how they offered it for ten months, isn't it? $$$