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We're thinking about refinancing our mortgage soon, and honestly, there's a lot to chew on. Some friends swear by shorter loan terms to knock out debt quicker, but others say lower monthly payments are the way to go. I mean, saving money every month sounds pretty good, but so does paying off the house sooner. Um...kinda torn here. Thought I'd toss up a quick poll—do you usually lean towards shorter terms or lower monthly payments when refinancing?
