{
  "title": "BYL Debt Consolidation Cost Scenarios",
  "version": "1.0.0",
  "published": "2026-10-23",
  "canonical_url": "https://www.borrowyourloan.com/resources/debt-consolidation-cost-scenarios",
  "scenario_count": 216,
  "methodology": "Decimal precision 45. Existing debt is one mathematical balance at fixed 24% nominal annual interest, paid monthly with a fixed dollar payment until a smaller final payment. New loan proceeds equal the debt balance after a fee withheld as a percentage of gross principal. New gross principal = debt balance / (1 - fee fraction). Payments use monthly amortization with nominal annual rate / 12. Calculations retain full precision; monetary fields round half-up to cents only for publication. New total repayment minus current remaining repayment compares future dollars from today.",
  "limitations": [
    "Not observed market data, current rate quotes, lender APR disclosures, eligibility guidance or offers.",
    "Existing payment is fixed in dollars; it is not a declining credit-card minimum-payment model.",
    "Equal-rate aggregate debt model; accounts with different rates or dates need a separate account-level calculation.",
    "Monthly interest model excludes daily accrual, account reuse, late fees, missed payments, taxes and optional insurance.",
    "A financed withheld fee increases principal. New nominal interest rate is not fee-inclusive APR; no fee-inclusive APR is calculated.",
    "Negative new-minus-current repayment indicates lower modeled future repayment; it does not establish suitability or guaranteed savings."
  ],
  "variables": {
    "monthly_payment_relief": "Current fixed monthly payment minus new payment; positive means lower new payment.",
    "new_minus_current_repayment": "New total repayment minus current remaining repayment; negative means lower modeled future repayment.",
    "new_financing_cost_including_fee": "New total repayment minus net proceeds used to pay current debt.",
    "current_payoff_months": "Whole payment periods including any smaller final payment."
  },
  "rows": [
    {
      "scenario_id": 1,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "161.34",
      "new_total_repayment": "5808.09",
      "new_interest_excluding_fee": "808.09",
      "new_financing_cost_including_fee": "808.09",
      "monthly_payment_relief": "-36.34",
      "new_minus_current_repayment": "-4351.40"
    },
    {
      "scenario_id": 2,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "166.33",
      "new_total_repayment": "5987.73",
      "new_interest_excluding_fee": "833.09",
      "new_financing_cost_including_fee": "987.73",
      "monthly_payment_relief": "-41.33",
      "new_minus_current_repayment": "-4171.77"
    },
    {
      "scenario_id": 3,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "171.63",
      "new_total_repayment": "6178.82",
      "new_interest_excluding_fee": "859.67",
      "new_financing_cost_including_fee": "1178.82",
      "monthly_payment_relief": "-46.63",
      "new_minus_current_repayment": "-3980.67"
    },
    {
      "scenario_id": 4,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "106.24",
      "new_total_repayment": "6374.11",
      "new_interest_excluding_fee": "1374.11",
      "new_financing_cost_including_fee": "1374.11",
      "monthly_payment_relief": "18.76",
      "new_minus_current_repayment": "-3785.38"
    },
    {
      "scenario_id": 5,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "109.52",
      "new_total_repayment": "6571.25",
      "new_interest_excluding_fee": "1416.61",
      "new_financing_cost_including_fee": "1571.25",
      "monthly_payment_relief": "15.48",
      "new_minus_current_repayment": "-3588.24"
    },
    {
      "scenario_id": 6,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "113.02",
      "new_total_repayment": "6780.97",
      "new_interest_excluding_fee": "1461.82",
      "new_financing_cost_including_fee": "1780.97",
      "monthly_payment_relief": "11.98",
      "new_minus_current_repayment": "-3378.52"
    },
    {
      "scenario_id": 7,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "173.33",
      "new_total_repayment": "6239.76",
      "new_interest_excluding_fee": "1239.76",
      "new_financing_cost_including_fee": "1239.76",
      "monthly_payment_relief": "-48.33",
      "new_minus_current_repayment": "-3919.73"
    },
    {
      "scenario_id": 8,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "178.69",
      "new_total_repayment": "6432.74",
      "new_interest_excluding_fee": "1278.10",
      "new_financing_cost_including_fee": "1432.74",
      "monthly_payment_relief": "-53.69",
      "new_minus_current_repayment": "-3726.75"
    },
    {
      "scenario_id": 9,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "184.39",
      "new_total_repayment": "6638.04",
      "new_interest_excluding_fee": "1318.89",
      "new_financing_cost_including_fee": "1638.04",
      "monthly_payment_relief": "-59.39",
      "new_minus_current_repayment": "-3521.45"
    },
    {
      "scenario_id": 10,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "118.95",
      "new_total_repayment": "7136.98",
      "new_interest_excluding_fee": "2136.98",
      "new_financing_cost_including_fee": "2136.98",
      "monthly_payment_relief": "6.05",
      "new_minus_current_repayment": "-3022.51"
    },
    {
      "scenario_id": 11,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "122.63",
      "new_total_repayment": "7357.71",
      "new_interest_excluding_fee": "2203.07",
      "new_financing_cost_including_fee": "2357.71",
      "monthly_payment_relief": "2.37",
      "new_minus_current_repayment": "-2801.78"
    },
    {
      "scenario_id": 12,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "126.54",
      "new_total_repayment": "7592.53",
      "new_interest_excluding_fee": "2273.38",
      "new_financing_cost_including_fee": "2592.53",
      "monthly_payment_relief": "-1.54",
      "new_minus_current_repayment": "-2566.96"
    },
    {
      "scenario_id": 13,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "185.82",
      "new_total_repayment": "6689.45",
      "new_interest_excluding_fee": "1689.45",
      "new_financing_cost_including_fee": "1689.45",
      "monthly_payment_relief": "-60.82",
      "new_minus_current_repayment": "-3470.05"
    },
    {
      "scenario_id": 14,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "191.56",
      "new_total_repayment": "6896.34",
      "new_interest_excluding_fee": "1741.70",
      "new_financing_cost_including_fee": "1896.34",
      "monthly_payment_relief": "-66.56",
      "new_minus_current_repayment": "-3263.16"
    },
    {
      "scenario_id": 15,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "197.68",
      "new_total_repayment": "7116.43",
      "new_interest_excluding_fee": "1797.28",
      "new_financing_cost_including_fee": "2116.43",
      "monthly_payment_relief": "-72.68",
      "new_minus_current_repayment": "-3043.06"
    },
    {
      "scenario_id": 16,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "132.47",
      "new_total_repayment": "7948.17",
      "new_interest_excluding_fee": "2948.17",
      "new_financing_cost_including_fee": "2948.17",
      "monthly_payment_relief": "-7.47",
      "new_minus_current_repayment": "-2211.33"
    },
    {
      "scenario_id": 17,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "136.57",
      "new_total_repayment": "8193.98",
      "new_interest_excluding_fee": "3039.35",
      "new_financing_cost_including_fee": "3193.98",
      "monthly_payment_relief": "-11.57",
      "new_minus_current_repayment": "-1965.51"
    },
    {
      "scenario_id": 18,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "140.92",
      "new_total_repayment": "8455.49",
      "new_interest_excluding_fee": "3136.35",
      "new_financing_cost_including_fee": "3455.49",
      "monthly_payment_relief": "-15.92",
      "new_minus_current_repayment": "-1704.00"
    },
    {
      "scenario_id": 19,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "198.80",
      "new_total_repayment": "7156.77",
      "new_interest_excluding_fee": "2156.77",
      "new_financing_cost_including_fee": "2156.77",
      "monthly_payment_relief": "-73.80",
      "new_minus_current_repayment": "-3002.72"
    },
    {
      "scenario_id": 20,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "204.95",
      "new_total_repayment": "7378.11",
      "new_interest_excluding_fee": "2223.47",
      "new_financing_cost_including_fee": "2378.11",
      "monthly_payment_relief": "-79.95",
      "new_minus_current_repayment": "-2781.38"
    },
    {
      "scenario_id": 21,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "211.49",
      "new_total_repayment": "7613.58",
      "new_interest_excluding_fee": "2294.43",
      "new_financing_cost_including_fee": "2613.58",
      "monthly_payment_relief": "-86.49",
      "new_minus_current_repayment": "-2545.91"
    },
    {
      "scenario_id": 22,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "146.76",
      "new_total_repayment": "8805.40",
      "new_interest_excluding_fee": "3805.40",
      "new_financing_cost_including_fee": "3805.40",
      "monthly_payment_relief": "-21.76",
      "new_minus_current_repayment": "-1354.09"
    },
    {
      "scenario_id": 23,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "151.30",
      "new_total_repayment": "9077.73",
      "new_interest_excluding_fee": "3923.09",
      "new_financing_cost_including_fee": "4077.73",
      "monthly_payment_relief": "-26.30",
      "new_minus_current_repayment": "-1081.76"
    },
    {
      "scenario_id": 24,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "125.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "10159.49",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "156.12",
      "new_total_repayment": "9367.44",
      "new_interest_excluding_fee": "4048.29",
      "new_financing_cost_including_fee": "4367.44",
      "monthly_payment_relief": "-31.12",
      "new_minus_current_repayment": "-792.05"
    },
    {
      "scenario_id": 25,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "161.34",
      "new_total_repayment": "5808.09",
      "new_interest_excluding_fee": "808.09",
      "new_financing_cost_including_fee": "808.09",
      "monthly_payment_relief": "-11.34",
      "new_minus_current_repayment": "-2513.99"
    },
    {
      "scenario_id": 26,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "166.33",
      "new_total_repayment": "5987.73",
      "new_interest_excluding_fee": "833.09",
      "new_financing_cost_including_fee": "987.73",
      "monthly_payment_relief": "-16.33",
      "new_minus_current_repayment": "-2334.36"
    },
    {
      "scenario_id": 27,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "171.63",
      "new_total_repayment": "6178.82",
      "new_interest_excluding_fee": "859.67",
      "new_financing_cost_including_fee": "1178.82",
      "monthly_payment_relief": "-21.63",
      "new_minus_current_repayment": "-2143.26"
    },
    {
      "scenario_id": 28,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "106.24",
      "new_total_repayment": "6374.11",
      "new_interest_excluding_fee": "1374.11",
      "new_financing_cost_including_fee": "1374.11",
      "monthly_payment_relief": "43.76",
      "new_minus_current_repayment": "-1947.97"
    },
    {
      "scenario_id": 29,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "109.52",
      "new_total_repayment": "6571.25",
      "new_interest_excluding_fee": "1416.61",
      "new_financing_cost_including_fee": "1571.25",
      "monthly_payment_relief": "40.48",
      "new_minus_current_repayment": "-1750.84"
    },
    {
      "scenario_id": 30,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "113.02",
      "new_total_repayment": "6780.97",
      "new_interest_excluding_fee": "1461.82",
      "new_financing_cost_including_fee": "1780.97",
      "monthly_payment_relief": "36.98",
      "new_minus_current_repayment": "-1541.12"
    },
    {
      "scenario_id": 31,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "173.33",
      "new_total_repayment": "6239.76",
      "new_interest_excluding_fee": "1239.76",
      "new_financing_cost_including_fee": "1239.76",
      "monthly_payment_relief": "-23.33",
      "new_minus_current_repayment": "-2082.33"
    },
    {
      "scenario_id": 32,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "178.69",
      "new_total_repayment": "6432.74",
      "new_interest_excluding_fee": "1278.10",
      "new_financing_cost_including_fee": "1432.74",
      "monthly_payment_relief": "-28.69",
      "new_minus_current_repayment": "-1889.35"
    },
    {
      "scenario_id": 33,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "184.39",
      "new_total_repayment": "6638.04",
      "new_interest_excluding_fee": "1318.89",
      "new_financing_cost_including_fee": "1638.04",
      "monthly_payment_relief": "-34.39",
      "new_minus_current_repayment": "-1684.05"
    },
    {
      "scenario_id": 34,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "118.95",
      "new_total_repayment": "7136.98",
      "new_interest_excluding_fee": "2136.98",
      "new_financing_cost_including_fee": "2136.98",
      "monthly_payment_relief": "31.05",
      "new_minus_current_repayment": "-1185.11"
    },
    {
      "scenario_id": 35,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "122.63",
      "new_total_repayment": "7357.71",
      "new_interest_excluding_fee": "2203.07",
      "new_financing_cost_including_fee": "2357.71",
      "monthly_payment_relief": "27.37",
      "new_minus_current_repayment": "-964.38"
    },
    {
      "scenario_id": 36,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "126.54",
      "new_total_repayment": "7592.53",
      "new_interest_excluding_fee": "2273.38",
      "new_financing_cost_including_fee": "2592.53",
      "monthly_payment_relief": "23.46",
      "new_minus_current_repayment": "-729.56"
    },
    {
      "scenario_id": 37,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "185.82",
      "new_total_repayment": "6689.45",
      "new_interest_excluding_fee": "1689.45",
      "new_financing_cost_including_fee": "1689.45",
      "monthly_payment_relief": "-35.82",
      "new_minus_current_repayment": "-1632.64"
    },
    {
      "scenario_id": 38,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "191.56",
      "new_total_repayment": "6896.34",
      "new_interest_excluding_fee": "1741.70",
      "new_financing_cost_including_fee": "1896.34",
      "monthly_payment_relief": "-41.56",
      "new_minus_current_repayment": "-1425.75"
    },
    {
      "scenario_id": 39,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "197.68",
      "new_total_repayment": "7116.43",
      "new_interest_excluding_fee": "1797.28",
      "new_financing_cost_including_fee": "2116.43",
      "monthly_payment_relief": "-47.68",
      "new_minus_current_repayment": "-1205.66"
    },
    {
      "scenario_id": 40,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "132.47",
      "new_total_repayment": "7948.17",
      "new_interest_excluding_fee": "2948.17",
      "new_financing_cost_including_fee": "2948.17",
      "monthly_payment_relief": "17.53",
      "new_minus_current_repayment": "-373.92"
    },
    {
      "scenario_id": 41,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "136.57",
      "new_total_repayment": "8193.98",
      "new_interest_excluding_fee": "3039.35",
      "new_financing_cost_including_fee": "3193.98",
      "monthly_payment_relief": "13.43",
      "new_minus_current_repayment": "-128.10"
    },
    {
      "scenario_id": 42,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "140.92",
      "new_total_repayment": "8455.49",
      "new_interest_excluding_fee": "3136.35",
      "new_financing_cost_including_fee": "3455.49",
      "monthly_payment_relief": "9.08",
      "new_minus_current_repayment": "133.41"
    },
    {
      "scenario_id": 43,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "198.80",
      "new_total_repayment": "7156.77",
      "new_interest_excluding_fee": "2156.77",
      "new_financing_cost_including_fee": "2156.77",
      "monthly_payment_relief": "-48.80",
      "new_minus_current_repayment": "-1165.32"
    },
    {
      "scenario_id": 44,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "204.95",
      "new_total_repayment": "7378.11",
      "new_interest_excluding_fee": "2223.47",
      "new_financing_cost_including_fee": "2378.11",
      "monthly_payment_relief": "-54.95",
      "new_minus_current_repayment": "-943.97"
    },
    {
      "scenario_id": 45,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "211.49",
      "new_total_repayment": "7613.58",
      "new_interest_excluding_fee": "2294.43",
      "new_financing_cost_including_fee": "2613.58",
      "monthly_payment_relief": "-61.49",
      "new_minus_current_repayment": "-708.50"
    },
    {
      "scenario_id": 46,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "146.76",
      "new_total_repayment": "8805.40",
      "new_interest_excluding_fee": "3805.40",
      "new_financing_cost_including_fee": "3805.40",
      "monthly_payment_relief": "3.24",
      "new_minus_current_repayment": "483.31"
    },
    {
      "scenario_id": 47,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "151.30",
      "new_total_repayment": "9077.73",
      "new_interest_excluding_fee": "3923.09",
      "new_financing_cost_including_fee": "4077.73",
      "monthly_payment_relief": "-1.30",
      "new_minus_current_repayment": "755.64"
    },
    {
      "scenario_id": 48,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "150.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "8322.09",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "156.12",
      "new_total_repayment": "9367.44",
      "new_interest_excluding_fee": "4048.29",
      "new_financing_cost_including_fee": "4367.44",
      "monthly_payment_relief": "-6.12",
      "new_minus_current_repayment": "1045.36"
    },
    {
      "scenario_id": 49,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "161.34",
      "new_total_repayment": "5808.09",
      "new_interest_excluding_fee": "808.09",
      "new_financing_cost_including_fee": "808.09",
      "monthly_payment_relief": "38.66",
      "new_minus_current_repayment": "-1192.47"
    },
    {
      "scenario_id": 50,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "166.33",
      "new_total_repayment": "5987.73",
      "new_interest_excluding_fee": "833.09",
      "new_financing_cost_including_fee": "987.73",
      "monthly_payment_relief": "33.67",
      "new_minus_current_repayment": "-1012.84"
    },
    {
      "scenario_id": 51,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "171.63",
      "new_total_repayment": "6178.82",
      "new_interest_excluding_fee": "859.67",
      "new_financing_cost_including_fee": "1178.82",
      "monthly_payment_relief": "28.37",
      "new_minus_current_repayment": "-821.74"
    },
    {
      "scenario_id": 52,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "106.24",
      "new_total_repayment": "6374.11",
      "new_interest_excluding_fee": "1374.11",
      "new_financing_cost_including_fee": "1374.11",
      "monthly_payment_relief": "93.76",
      "new_minus_current_repayment": "-626.45"
    },
    {
      "scenario_id": 53,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "109.52",
      "new_total_repayment": "6571.25",
      "new_interest_excluding_fee": "1416.61",
      "new_financing_cost_including_fee": "1571.25",
      "monthly_payment_relief": "90.48",
      "new_minus_current_repayment": "-429.31"
    },
    {
      "scenario_id": 54,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "113.02",
      "new_total_repayment": "6780.97",
      "new_interest_excluding_fee": "1461.82",
      "new_financing_cost_including_fee": "1780.97",
      "monthly_payment_relief": "86.98",
      "new_minus_current_repayment": "-219.59"
    },
    {
      "scenario_id": 55,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "173.33",
      "new_total_repayment": "6239.76",
      "new_interest_excluding_fee": "1239.76",
      "new_financing_cost_including_fee": "1239.76",
      "monthly_payment_relief": "26.67",
      "new_minus_current_repayment": "-760.80"
    },
    {
      "scenario_id": 56,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "178.69",
      "new_total_repayment": "6432.74",
      "new_interest_excluding_fee": "1278.10",
      "new_financing_cost_including_fee": "1432.74",
      "monthly_payment_relief": "21.31",
      "new_minus_current_repayment": "-567.82"
    },
    {
      "scenario_id": 57,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "184.39",
      "new_total_repayment": "6638.04",
      "new_interest_excluding_fee": "1318.89",
      "new_financing_cost_including_fee": "1638.04",
      "monthly_payment_relief": "15.61",
      "new_minus_current_repayment": "-362.52"
    },
    {
      "scenario_id": 58,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "118.95",
      "new_total_repayment": "7136.98",
      "new_interest_excluding_fee": "2136.98",
      "new_financing_cost_including_fee": "2136.98",
      "monthly_payment_relief": "81.05",
      "new_minus_current_repayment": "136.42"
    },
    {
      "scenario_id": 59,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "122.63",
      "new_total_repayment": "7357.71",
      "new_interest_excluding_fee": "2203.07",
      "new_financing_cost_including_fee": "2357.71",
      "monthly_payment_relief": "77.37",
      "new_minus_current_repayment": "357.15"
    },
    {
      "scenario_id": 60,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "126.54",
      "new_total_repayment": "7592.53",
      "new_interest_excluding_fee": "2273.38",
      "new_financing_cost_including_fee": "2592.53",
      "monthly_payment_relief": "73.46",
      "new_minus_current_repayment": "591.97"
    },
    {
      "scenario_id": 61,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "185.82",
      "new_total_repayment": "6689.45",
      "new_interest_excluding_fee": "1689.45",
      "new_financing_cost_including_fee": "1689.45",
      "monthly_payment_relief": "14.18",
      "new_minus_current_repayment": "-311.12"
    },
    {
      "scenario_id": 62,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "191.56",
      "new_total_repayment": "6896.34",
      "new_interest_excluding_fee": "1741.70",
      "new_financing_cost_including_fee": "1896.34",
      "monthly_payment_relief": "8.44",
      "new_minus_current_repayment": "-104.23"
    },
    {
      "scenario_id": 63,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "197.68",
      "new_total_repayment": "7116.43",
      "new_interest_excluding_fee": "1797.28",
      "new_financing_cost_including_fee": "2116.43",
      "monthly_payment_relief": "2.32",
      "new_minus_current_repayment": "115.87"
    },
    {
      "scenario_id": 64,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "132.47",
      "new_total_repayment": "7948.17",
      "new_interest_excluding_fee": "2948.17",
      "new_financing_cost_including_fee": "2948.17",
      "monthly_payment_relief": "67.53",
      "new_minus_current_repayment": "947.60"
    },
    {
      "scenario_id": 65,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "136.57",
      "new_total_repayment": "8193.98",
      "new_interest_excluding_fee": "3039.35",
      "new_financing_cost_including_fee": "3193.98",
      "monthly_payment_relief": "63.43",
      "new_minus_current_repayment": "1193.42"
    },
    {
      "scenario_id": 66,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "140.92",
      "new_total_repayment": "8455.49",
      "new_interest_excluding_fee": "3136.35",
      "new_financing_cost_including_fee": "3455.49",
      "monthly_payment_relief": "59.08",
      "new_minus_current_repayment": "1454.93"
    },
    {
      "scenario_id": 67,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "198.80",
      "new_total_repayment": "7156.77",
      "new_interest_excluding_fee": "2156.77",
      "new_financing_cost_including_fee": "2156.77",
      "monthly_payment_relief": "1.20",
      "new_minus_current_repayment": "156.21"
    },
    {
      "scenario_id": 68,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "204.95",
      "new_total_repayment": "7378.11",
      "new_interest_excluding_fee": "2223.47",
      "new_financing_cost_including_fee": "2378.11",
      "monthly_payment_relief": "-4.95",
      "new_minus_current_repayment": "377.55"
    },
    {
      "scenario_id": 69,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "211.49",
      "new_total_repayment": "7613.58",
      "new_interest_excluding_fee": "2294.43",
      "new_financing_cost_including_fee": "2613.58",
      "monthly_payment_relief": "-11.49",
      "new_minus_current_repayment": "613.02"
    },
    {
      "scenario_id": 70,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "5000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "146.76",
      "new_total_repayment": "8805.40",
      "new_interest_excluding_fee": "3805.40",
      "new_financing_cost_including_fee": "3805.40",
      "monthly_payment_relief": "53.24",
      "new_minus_current_repayment": "1804.83"
    },
    {
      "scenario_id": 71,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "5154.64",
      "withheld_fee_amount": "154.64",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "151.30",
      "new_total_repayment": "9077.73",
      "new_interest_excluding_fee": "3923.09",
      "new_financing_cost_including_fee": "4077.73",
      "monthly_payment_relief": "48.70",
      "new_minus_current_repayment": "2077.17"
    },
    {
      "scenario_id": 72,
      "debt_balance": "5000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "200.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "7000.56",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "5319.15",
      "withheld_fee_amount": "319.15",
      "net_debt_payoff_proceeds": "5000.00",
      "new_monthly_payment": "156.12",
      "new_total_repayment": "9367.44",
      "new_interest_excluding_fee": "4048.29",
      "new_financing_cost_including_fee": "4367.44",
      "monthly_payment_relief": "43.88",
      "new_minus_current_repayment": "2366.88"
    },
    {
      "scenario_id": 73,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "387.21",
      "new_total_repayment": "13939.42",
      "new_interest_excluding_fee": "1939.42",
      "new_financing_cost_including_fee": "1939.42",
      "monthly_payment_relief": "-87.21",
      "new_minus_current_repayment": "-10443.35"
    },
    {
      "scenario_id": 74,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "399.18",
      "new_total_repayment": "14370.54",
      "new_interest_excluding_fee": "1999.41",
      "new_financing_cost_including_fee": "2370.54",
      "monthly_payment_relief": "-99.18",
      "new_minus_current_repayment": "-10012.24"
    },
    {
      "scenario_id": 75,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "411.92",
      "new_total_repayment": "14829.18",
      "new_interest_excluding_fee": "2063.22",
      "new_financing_cost_including_fee": "2829.18",
      "monthly_payment_relief": "-111.92",
      "new_minus_current_repayment": "-9553.60"
    },
    {
      "scenario_id": 76,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "254.96",
      "new_total_repayment": "15297.87",
      "new_interest_excluding_fee": "3297.87",
      "new_financing_cost_including_fee": "3297.87",
      "monthly_payment_relief": "45.04",
      "new_minus_current_repayment": "-9084.91"
    },
    {
      "scenario_id": 77,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "262.85",
      "new_total_repayment": "15771.00",
      "new_interest_excluding_fee": "3399.87",
      "new_financing_cost_including_fee": "3771.00",
      "monthly_payment_relief": "37.15",
      "new_minus_current_repayment": "-8611.78"
    },
    {
      "scenario_id": 78,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "271.24",
      "new_total_repayment": "16274.33",
      "new_interest_excluding_fee": "3508.37",
      "new_financing_cost_including_fee": "4274.33",
      "monthly_payment_relief": "28.76",
      "new_minus_current_repayment": "-8108.45"
    },
    {
      "scenario_id": 79,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "415.98",
      "new_total_repayment": "14975.42",
      "new_interest_excluding_fee": "2975.42",
      "new_financing_cost_including_fee": "2975.42",
      "monthly_payment_relief": "-115.98",
      "new_minus_current_repayment": "-9407.36"
    },
    {
      "scenario_id": 80,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "428.85",
      "new_total_repayment": "15438.58",
      "new_interest_excluding_fee": "3067.45",
      "new_financing_cost_including_fee": "3438.58",
      "monthly_payment_relief": "-128.85",
      "new_minus_current_repayment": "-8944.20"
    },
    {
      "scenario_id": 81,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "442.54",
      "new_total_repayment": "15931.30",
      "new_interest_excluding_fee": "3165.34",
      "new_financing_cost_including_fee": "3931.30",
      "monthly_payment_relief": "-142.54",
      "new_minus_current_repayment": "-8451.48"
    },
    {
      "scenario_id": 82,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "285.48",
      "new_total_repayment": "17128.75",
      "new_interest_excluding_fee": "5128.75",
      "new_financing_cost_including_fee": "5128.75",
      "monthly_payment_relief": "14.52",
      "new_minus_current_repayment": "-7254.03"
    },
    {
      "scenario_id": 83,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "294.31",
      "new_total_repayment": "17658.50",
      "new_interest_excluding_fee": "5287.37",
      "new_financing_cost_including_fee": "5658.50",
      "monthly_payment_relief": "5.69",
      "new_minus_current_repayment": "-6724.27"
    },
    {
      "scenario_id": 84,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "303.70",
      "new_total_repayment": "18222.07",
      "new_interest_excluding_fee": "5456.12",
      "new_financing_cost_including_fee": "6222.07",
      "monthly_payment_relief": "-3.70",
      "new_minus_current_repayment": "-6160.71"
    },
    {
      "scenario_id": 85,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "445.96",
      "new_total_repayment": "16054.67",
      "new_interest_excluding_fee": "4054.67",
      "new_financing_cost_including_fee": "4054.67",
      "monthly_payment_relief": "-145.96",
      "new_minus_current_repayment": "-8328.11"
    },
    {
      "scenario_id": 86,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "459.76",
      "new_total_repayment": "16551.20",
      "new_interest_excluding_fee": "4180.07",
      "new_financing_cost_including_fee": "4551.20",
      "monthly_payment_relief": "-159.76",
      "new_minus_current_repayment": "-7831.58"
    },
    {
      "scenario_id": 87,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "474.43",
      "new_total_repayment": "17079.43",
      "new_interest_excluding_fee": "4313.48",
      "new_financing_cost_including_fee": "5079.43",
      "monthly_payment_relief": "-174.43",
      "new_minus_current_repayment": "-7303.35"
    },
    {
      "scenario_id": 88,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "317.93",
      "new_total_repayment": "19075.60",
      "new_interest_excluding_fee": "7075.60",
      "new_financing_cost_including_fee": "7075.60",
      "monthly_payment_relief": "-17.93",
      "new_minus_current_repayment": "-5307.18"
    },
    {
      "scenario_id": 89,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "327.76",
      "new_total_repayment": "19665.56",
      "new_interest_excluding_fee": "7294.43",
      "new_financing_cost_including_fee": "7665.56",
      "monthly_payment_relief": "-27.76",
      "new_minus_current_repayment": "-4717.22"
    },
    {
      "scenario_id": 90,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "338.22",
      "new_total_repayment": "20293.19",
      "new_interest_excluding_fee": "7527.23",
      "new_financing_cost_including_fee": "8293.19",
      "monthly_payment_relief": "-38.22",
      "new_minus_current_repayment": "-4089.59"
    },
    {
      "scenario_id": 91,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "477.12",
      "new_total_repayment": "17176.24",
      "new_interest_excluding_fee": "5176.24",
      "new_financing_cost_including_fee": "5176.24",
      "monthly_payment_relief": "-177.12",
      "new_minus_current_repayment": "-7206.53"
    },
    {
      "scenario_id": 92,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "491.87",
      "new_total_repayment": "17707.47",
      "new_interest_excluding_fee": "5336.33",
      "new_financing_cost_including_fee": "5707.47",
      "monthly_payment_relief": "-191.87",
      "new_minus_current_repayment": "-6675.31"
    },
    {
      "scenario_id": 93,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "507.57",
      "new_total_repayment": "18272.60",
      "new_interest_excluding_fee": "5506.64",
      "new_financing_cost_including_fee": "6272.60",
      "monthly_payment_relief": "-207.57",
      "new_minus_current_repayment": "-6110.18"
    },
    {
      "scenario_id": 94,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "352.22",
      "new_total_repayment": "21132.95",
      "new_interest_excluding_fee": "9132.95",
      "new_financing_cost_including_fee": "9132.95",
      "monthly_payment_relief": "-52.22",
      "new_minus_current_repayment": "-3249.83"
    },
    {
      "scenario_id": 95,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "363.11",
      "new_total_repayment": "21786.55",
      "new_interest_excluding_fee": "9415.42",
      "new_financing_cost_including_fee": "9786.55",
      "monthly_payment_relief": "-63.11",
      "new_minus_current_repayment": "-2596.23"
    },
    {
      "scenario_id": 96,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "300.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "24382.78",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "374.70",
      "new_total_repayment": "22481.86",
      "new_interest_excluding_fee": "9715.91",
      "new_financing_cost_including_fee": "10481.86",
      "monthly_payment_relief": "-74.70",
      "new_minus_current_repayment": "-1900.91"
    },
    {
      "scenario_id": 97,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "387.21",
      "new_total_repayment": "13939.42",
      "new_interest_excluding_fee": "1939.42",
      "new_financing_cost_including_fee": "1939.42",
      "monthly_payment_relief": "-27.21",
      "new_minus_current_repayment": "-6033.58"
    },
    {
      "scenario_id": 98,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "399.18",
      "new_total_repayment": "14370.54",
      "new_interest_excluding_fee": "1999.41",
      "new_financing_cost_including_fee": "2370.54",
      "monthly_payment_relief": "-39.18",
      "new_minus_current_repayment": "-5602.47"
    },
    {
      "scenario_id": 99,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "411.92",
      "new_total_repayment": "14829.18",
      "new_interest_excluding_fee": "2063.22",
      "new_financing_cost_including_fee": "2829.18",
      "monthly_payment_relief": "-51.92",
      "new_minus_current_repayment": "-5143.83"
    },
    {
      "scenario_id": 100,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "254.96",
      "new_total_repayment": "15297.87",
      "new_interest_excluding_fee": "3297.87",
      "new_financing_cost_including_fee": "3297.87",
      "monthly_payment_relief": "105.04",
      "new_minus_current_repayment": "-4675.14"
    },
    {
      "scenario_id": 101,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "262.85",
      "new_total_repayment": "15771.00",
      "new_interest_excluding_fee": "3399.87",
      "new_financing_cost_including_fee": "3771.00",
      "monthly_payment_relief": "97.15",
      "new_minus_current_repayment": "-4202.01"
    },
    {
      "scenario_id": 102,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "271.24",
      "new_total_repayment": "16274.33",
      "new_interest_excluding_fee": "3508.37",
      "new_financing_cost_including_fee": "4274.33",
      "monthly_payment_relief": "88.76",
      "new_minus_current_repayment": "-3698.68"
    },
    {
      "scenario_id": 103,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "415.98",
      "new_total_repayment": "14975.42",
      "new_interest_excluding_fee": "2975.42",
      "new_financing_cost_including_fee": "2975.42",
      "monthly_payment_relief": "-55.98",
      "new_minus_current_repayment": "-4997.59"
    },
    {
      "scenario_id": 104,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "428.85",
      "new_total_repayment": "15438.58",
      "new_interest_excluding_fee": "3067.45",
      "new_financing_cost_including_fee": "3438.58",
      "monthly_payment_relief": "-68.85",
      "new_minus_current_repayment": "-4534.43"
    },
    {
      "scenario_id": 105,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "442.54",
      "new_total_repayment": "15931.30",
      "new_interest_excluding_fee": "3165.34",
      "new_financing_cost_including_fee": "3931.30",
      "monthly_payment_relief": "-82.54",
      "new_minus_current_repayment": "-4041.71"
    },
    {
      "scenario_id": 106,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "285.48",
      "new_total_repayment": "17128.75",
      "new_interest_excluding_fee": "5128.75",
      "new_financing_cost_including_fee": "5128.75",
      "monthly_payment_relief": "74.52",
      "new_minus_current_repayment": "-2844.26"
    },
    {
      "scenario_id": 107,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "294.31",
      "new_total_repayment": "17658.50",
      "new_interest_excluding_fee": "5287.37",
      "new_financing_cost_including_fee": "5658.50",
      "monthly_payment_relief": "65.69",
      "new_minus_current_repayment": "-2314.50"
    },
    {
      "scenario_id": 108,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "303.70",
      "new_total_repayment": "18222.07",
      "new_interest_excluding_fee": "5456.12",
      "new_financing_cost_including_fee": "6222.07",
      "monthly_payment_relief": "56.30",
      "new_minus_current_repayment": "-1750.93"
    },
    {
      "scenario_id": 109,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "445.96",
      "new_total_repayment": "16054.67",
      "new_interest_excluding_fee": "4054.67",
      "new_financing_cost_including_fee": "4054.67",
      "monthly_payment_relief": "-85.96",
      "new_minus_current_repayment": "-3918.34"
    },
    {
      "scenario_id": 110,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "459.76",
      "new_total_repayment": "16551.20",
      "new_interest_excluding_fee": "4180.07",
      "new_financing_cost_including_fee": "4551.20",
      "monthly_payment_relief": "-99.76",
      "new_minus_current_repayment": "-3421.80"
    },
    {
      "scenario_id": 111,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "474.43",
      "new_total_repayment": "17079.43",
      "new_interest_excluding_fee": "4313.48",
      "new_financing_cost_including_fee": "5079.43",
      "monthly_payment_relief": "-114.43",
      "new_minus_current_repayment": "-2893.57"
    },
    {
      "scenario_id": 112,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "317.93",
      "new_total_repayment": "19075.60",
      "new_interest_excluding_fee": "7075.60",
      "new_financing_cost_including_fee": "7075.60",
      "monthly_payment_relief": "42.07",
      "new_minus_current_repayment": "-897.41"
    },
    {
      "scenario_id": 113,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "327.76",
      "new_total_repayment": "19665.56",
      "new_interest_excluding_fee": "7294.43",
      "new_financing_cost_including_fee": "7665.56",
      "monthly_payment_relief": "32.24",
      "new_minus_current_repayment": "-307.45"
    },
    {
      "scenario_id": 114,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "338.22",
      "new_total_repayment": "20293.19",
      "new_interest_excluding_fee": "7527.23",
      "new_financing_cost_including_fee": "8293.19",
      "monthly_payment_relief": "21.78",
      "new_minus_current_repayment": "320.18"
    },
    {
      "scenario_id": 115,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "477.12",
      "new_total_repayment": "17176.24",
      "new_interest_excluding_fee": "5176.24",
      "new_financing_cost_including_fee": "5176.24",
      "monthly_payment_relief": "-117.12",
      "new_minus_current_repayment": "-2796.76"
    },
    {
      "scenario_id": 116,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "491.87",
      "new_total_repayment": "17707.47",
      "new_interest_excluding_fee": "5336.33",
      "new_financing_cost_including_fee": "5707.47",
      "monthly_payment_relief": "-131.87",
      "new_minus_current_repayment": "-2265.54"
    },
    {
      "scenario_id": 117,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "507.57",
      "new_total_repayment": "18272.60",
      "new_interest_excluding_fee": "5506.64",
      "new_financing_cost_including_fee": "6272.60",
      "monthly_payment_relief": "-147.57",
      "new_minus_current_repayment": "-1700.41"
    },
    {
      "scenario_id": 118,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "352.22",
      "new_total_repayment": "21132.95",
      "new_interest_excluding_fee": "9132.95",
      "new_financing_cost_including_fee": "9132.95",
      "monthly_payment_relief": "7.78",
      "new_minus_current_repayment": "1159.94"
    },
    {
      "scenario_id": 119,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "363.11",
      "new_total_repayment": "21786.55",
      "new_interest_excluding_fee": "9415.42",
      "new_financing_cost_including_fee": "9786.55",
      "monthly_payment_relief": "-3.11",
      "new_minus_current_repayment": "1813.54"
    },
    {
      "scenario_id": 120,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "360.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "19973.01",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "374.70",
      "new_total_repayment": "22481.86",
      "new_interest_excluding_fee": "9715.91",
      "new_financing_cost_including_fee": "10481.86",
      "monthly_payment_relief": "-14.70",
      "new_minus_current_repayment": "2508.86"
    },
    {
      "scenario_id": 121,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "387.21",
      "new_total_repayment": "13939.42",
      "new_interest_excluding_fee": "1939.42",
      "new_financing_cost_including_fee": "1939.42",
      "monthly_payment_relief": "92.79",
      "new_minus_current_repayment": "-2861.93"
    },
    {
      "scenario_id": 122,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "399.18",
      "new_total_repayment": "14370.54",
      "new_interest_excluding_fee": "1999.41",
      "new_financing_cost_including_fee": "2370.54",
      "monthly_payment_relief": "80.82",
      "new_minus_current_repayment": "-2430.81"
    },
    {
      "scenario_id": 123,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "411.92",
      "new_total_repayment": "14829.18",
      "new_interest_excluding_fee": "2063.22",
      "new_financing_cost_including_fee": "2829.18",
      "monthly_payment_relief": "68.08",
      "new_minus_current_repayment": "-1972.18"
    },
    {
      "scenario_id": 124,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "254.96",
      "new_total_repayment": "15297.87",
      "new_interest_excluding_fee": "3297.87",
      "new_financing_cost_including_fee": "3297.87",
      "monthly_payment_relief": "225.04",
      "new_minus_current_repayment": "-1503.48"
    },
    {
      "scenario_id": 125,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "262.85",
      "new_total_repayment": "15771.00",
      "new_interest_excluding_fee": "3399.87",
      "new_financing_cost_including_fee": "3771.00",
      "monthly_payment_relief": "217.15",
      "new_minus_current_repayment": "-1030.35"
    },
    {
      "scenario_id": 126,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "271.24",
      "new_total_repayment": "16274.33",
      "new_interest_excluding_fee": "3508.37",
      "new_financing_cost_including_fee": "4274.33",
      "monthly_payment_relief": "208.76",
      "new_minus_current_repayment": "-527.02"
    },
    {
      "scenario_id": 127,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "415.98",
      "new_total_repayment": "14975.42",
      "new_interest_excluding_fee": "2975.42",
      "new_financing_cost_including_fee": "2975.42",
      "monthly_payment_relief": "64.02",
      "new_minus_current_repayment": "-1825.93"
    },
    {
      "scenario_id": 128,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "428.85",
      "new_total_repayment": "15438.58",
      "new_interest_excluding_fee": "3067.45",
      "new_financing_cost_including_fee": "3438.58",
      "monthly_payment_relief": "51.15",
      "new_minus_current_repayment": "-1362.77"
    },
    {
      "scenario_id": 129,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "442.54",
      "new_total_repayment": "15931.30",
      "new_interest_excluding_fee": "3165.34",
      "new_financing_cost_including_fee": "3931.30",
      "monthly_payment_relief": "37.46",
      "new_minus_current_repayment": "-870.05"
    },
    {
      "scenario_id": 130,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "285.48",
      "new_total_repayment": "17128.75",
      "new_interest_excluding_fee": "5128.75",
      "new_financing_cost_including_fee": "5128.75",
      "monthly_payment_relief": "194.52",
      "new_minus_current_repayment": "327.40"
    },
    {
      "scenario_id": 131,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "294.31",
      "new_total_repayment": "17658.50",
      "new_interest_excluding_fee": "5287.37",
      "new_financing_cost_including_fee": "5658.50",
      "monthly_payment_relief": "185.69",
      "new_minus_current_repayment": "857.15"
    },
    {
      "scenario_id": 132,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "303.70",
      "new_total_repayment": "18222.07",
      "new_interest_excluding_fee": "5456.12",
      "new_financing_cost_including_fee": "6222.07",
      "monthly_payment_relief": "176.30",
      "new_minus_current_repayment": "1420.72"
    },
    {
      "scenario_id": 133,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "445.96",
      "new_total_repayment": "16054.67",
      "new_interest_excluding_fee": "4054.67",
      "new_financing_cost_including_fee": "4054.67",
      "monthly_payment_relief": "34.04",
      "new_minus_current_repayment": "-746.68"
    },
    {
      "scenario_id": 134,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "459.76",
      "new_total_repayment": "16551.20",
      "new_interest_excluding_fee": "4180.07",
      "new_financing_cost_including_fee": "4551.20",
      "monthly_payment_relief": "20.24",
      "new_minus_current_repayment": "-250.15"
    },
    {
      "scenario_id": 135,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "474.43",
      "new_total_repayment": "17079.43",
      "new_interest_excluding_fee": "4313.48",
      "new_financing_cost_including_fee": "5079.43",
      "monthly_payment_relief": "5.57",
      "new_minus_current_repayment": "278.08"
    },
    {
      "scenario_id": 136,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "317.93",
      "new_total_repayment": "19075.60",
      "new_interest_excluding_fee": "7075.60",
      "new_financing_cost_including_fee": "7075.60",
      "monthly_payment_relief": "162.07",
      "new_minus_current_repayment": "2274.24"
    },
    {
      "scenario_id": 137,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "327.76",
      "new_total_repayment": "19665.56",
      "new_interest_excluding_fee": "7294.43",
      "new_financing_cost_including_fee": "7665.56",
      "monthly_payment_relief": "152.24",
      "new_minus_current_repayment": "2864.21"
    },
    {
      "scenario_id": 138,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "338.22",
      "new_total_repayment": "20293.19",
      "new_interest_excluding_fee": "7527.23",
      "new_financing_cost_including_fee": "8293.19",
      "monthly_payment_relief": "141.78",
      "new_minus_current_repayment": "3491.84"
    },
    {
      "scenario_id": 139,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "477.12",
      "new_total_repayment": "17176.24",
      "new_interest_excluding_fee": "5176.24",
      "new_financing_cost_including_fee": "5176.24",
      "monthly_payment_relief": "2.88",
      "new_minus_current_repayment": "374.89"
    },
    {
      "scenario_id": 140,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "491.87",
      "new_total_repayment": "17707.47",
      "new_interest_excluding_fee": "5336.33",
      "new_financing_cost_including_fee": "5707.47",
      "monthly_payment_relief": "-11.87",
      "new_minus_current_repayment": "906.12"
    },
    {
      "scenario_id": 141,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "507.57",
      "new_total_repayment": "18272.60",
      "new_interest_excluding_fee": "5506.64",
      "new_financing_cost_including_fee": "6272.60",
      "monthly_payment_relief": "-27.57",
      "new_minus_current_repayment": "1471.25"
    },
    {
      "scenario_id": 142,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "12000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "352.22",
      "new_total_repayment": "21132.95",
      "new_interest_excluding_fee": "9132.95",
      "new_financing_cost_including_fee": "9132.95",
      "monthly_payment_relief": "127.78",
      "new_minus_current_repayment": "4331.60"
    },
    {
      "scenario_id": 143,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "12371.13",
      "withheld_fee_amount": "371.13",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "363.11",
      "new_total_repayment": "21786.55",
      "new_interest_excluding_fee": "9415.42",
      "new_financing_cost_including_fee": "9786.55",
      "monthly_payment_relief": "116.89",
      "new_minus_current_repayment": "4985.20"
    },
    {
      "scenario_id": 144,
      "debt_balance": "12000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "480.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "16801.35",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "12765.96",
      "withheld_fee_amount": "765.96",
      "net_debt_payoff_proceeds": "12000.00",
      "new_monthly_payment": "374.70",
      "new_total_repayment": "22481.86",
      "new_interest_excluding_fee": "9715.91",
      "new_financing_cost_including_fee": "10481.86",
      "monthly_payment_relief": "105.30",
      "new_minus_current_repayment": "5680.51"
    },
    {
      "scenario_id": 145,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "806.68",
      "new_total_repayment": "29040.47",
      "new_interest_excluding_fee": "4040.47",
      "new_financing_cost_including_fee": "4040.47",
      "monthly_payment_relief": "-181.68",
      "new_minus_current_repayment": "-21756.99"
    },
    {
      "scenario_id": 146,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "831.63",
      "new_total_repayment": "29938.63",
      "new_interest_excluding_fee": "4165.43",
      "new_financing_cost_including_fee": "4938.63",
      "monthly_payment_relief": "-206.63",
      "new_minus_current_repayment": "-20858.83"
    },
    {
      "scenario_id": 147,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "858.17",
      "new_total_repayment": "30894.12",
      "new_interest_excluding_fee": "4298.37",
      "new_financing_cost_including_fee": "5894.12",
      "monthly_payment_relief": "-233.17",
      "new_minus_current_repayment": "-19903.34"
    },
    {
      "scenario_id": 148,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "531.18",
      "new_total_repayment": "31870.57",
      "new_interest_excluding_fee": "6870.57",
      "new_financing_cost_including_fee": "6870.57",
      "monthly_payment_relief": "93.82",
      "new_minus_current_repayment": "-18926.89"
    },
    {
      "scenario_id": 149,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "547.60",
      "new_total_repayment": "32856.25",
      "new_interest_excluding_fee": "7083.06",
      "new_financing_cost_including_fee": "7856.25",
      "monthly_payment_relief": "77.40",
      "new_minus_current_repayment": "-17941.20"
    },
    {
      "scenario_id": 150,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "565.08",
      "new_total_repayment": "33904.86",
      "new_interest_excluding_fee": "7309.11",
      "new_financing_cost_including_fee": "8904.86",
      "monthly_payment_relief": "59.92",
      "new_minus_current_repayment": "-16892.60"
    },
    {
      "scenario_id": 151,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "866.63",
      "new_total_repayment": "31198.80",
      "new_interest_excluding_fee": "6198.80",
      "new_financing_cost_including_fee": "6198.80",
      "monthly_payment_relief": "-241.63",
      "new_minus_current_repayment": "-19598.66"
    },
    {
      "scenario_id": 152,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "893.44",
      "new_total_repayment": "32163.71",
      "new_interest_excluding_fee": "6390.51",
      "new_financing_cost_including_fee": "7163.71",
      "monthly_payment_relief": "-268.44",
      "new_minus_current_repayment": "-18633.75"
    },
    {
      "scenario_id": 153,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "921.95",
      "new_total_repayment": "33190.21",
      "new_interest_excluding_fee": "6594.46",
      "new_financing_cost_including_fee": "8190.21",
      "monthly_payment_relief": "-296.95",
      "new_minus_current_repayment": "-17607.25"
    },
    {
      "scenario_id": 154,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "594.75",
      "new_total_repayment": "35684.90",
      "new_interest_excluding_fee": "10684.90",
      "new_financing_cost_including_fee": "10684.90",
      "monthly_payment_relief": "30.25",
      "new_minus_current_repayment": "-15112.56"
    },
    {
      "scenario_id": 155,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "613.14",
      "new_total_repayment": "36788.55",
      "new_interest_excluding_fee": "11015.36",
      "new_financing_cost_including_fee": "11788.55",
      "monthly_payment_relief": "11.86",
      "new_minus_current_repayment": "-14008.91"
    },
    {
      "scenario_id": 156,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "632.71",
      "new_total_repayment": "37962.65",
      "new_interest_excluding_fee": "11366.91",
      "new_financing_cost_including_fee": "12962.65",
      "monthly_payment_relief": "-7.71",
      "new_minus_current_repayment": "-12834.80"
    },
    {
      "scenario_id": 157,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "929.09",
      "new_total_repayment": "33447.23",
      "new_interest_excluding_fee": "8447.23",
      "new_financing_cost_including_fee": "8447.23",
      "monthly_payment_relief": "-304.09",
      "new_minus_current_repayment": "-17350.23"
    },
    {
      "scenario_id": 158,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "957.82",
      "new_total_repayment": "34481.68",
      "new_interest_excluding_fee": "8708.48",
      "new_financing_cost_including_fee": "9481.68",
      "monthly_payment_relief": "-332.82",
      "new_minus_current_repayment": "-16315.78"
    },
    {
      "scenario_id": 159,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "988.39",
      "new_total_repayment": "35582.15",
      "new_interest_excluding_fee": "8986.41",
      "new_financing_cost_including_fee": "10582.15",
      "monthly_payment_relief": "-363.39",
      "new_minus_current_repayment": "-15215.30"
    },
    {
      "scenario_id": 160,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "662.35",
      "new_total_repayment": "39740.83",
      "new_interest_excluding_fee": "14740.83",
      "new_financing_cost_including_fee": "14740.83",
      "monthly_payment_relief": "-37.35",
      "new_minus_current_repayment": "-11056.63"
    },
    {
      "scenario_id": 161,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "682.83",
      "new_total_repayment": "40969.92",
      "new_interest_excluding_fee": "15196.73",
      "new_financing_cost_including_fee": "15969.92",
      "monthly_payment_relief": "-57.83",
      "new_minus_current_repayment": "-9827.53"
    },
    {
      "scenario_id": 162,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "704.62",
      "new_total_repayment": "42277.47",
      "new_interest_excluding_fee": "15681.73",
      "new_financing_cost_including_fee": "17277.47",
      "monthly_payment_relief": "-79.62",
      "new_minus_current_repayment": "-8519.98"
    },
    {
      "scenario_id": 163,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "994.00",
      "new_total_repayment": "35783.84",
      "new_interest_excluding_fee": "10783.84",
      "new_financing_cost_including_fee": "10783.84",
      "monthly_payment_relief": "-369.00",
      "new_minus_current_repayment": "-15013.61"
    },
    {
      "scenario_id": 164,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "1024.74",
      "new_total_repayment": "36890.56",
      "new_interest_excluding_fee": "11117.36",
      "new_financing_cost_including_fee": "11890.56",
      "monthly_payment_relief": "-399.74",
      "new_minus_current_repayment": "-13906.90"
    },
    {
      "scenario_id": 165,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "1057.44",
      "new_total_repayment": "38067.92",
      "new_interest_excluding_fee": "11472.17",
      "new_financing_cost_including_fee": "13067.92",
      "monthly_payment_relief": "-432.44",
      "new_minus_current_repayment": "-12729.54"
    },
    {
      "scenario_id": 166,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "733.78",
      "new_total_repayment": "44026.99",
      "new_interest_excluding_fee": "19026.99",
      "new_financing_cost_including_fee": "19026.99",
      "monthly_payment_relief": "-108.78",
      "new_minus_current_repayment": "-6770.47"
    },
    {
      "scenario_id": 167,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "756.48",
      "new_total_repayment": "45388.64",
      "new_interest_excluding_fee": "19615.45",
      "new_financing_cost_including_fee": "20388.64",
      "monthly_payment_relief": "-131.48",
      "new_minus_current_repayment": "-5408.81"
    },
    {
      "scenario_id": 168,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "625.00",
      "current_payoff_months": 82,
      "current_remaining_repayment": "50797.46",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "780.62",
      "new_total_repayment": "46837.22",
      "new_interest_excluding_fee": "20241.47",
      "new_financing_cost_including_fee": "21837.22",
      "monthly_payment_relief": "-155.62",
      "new_minus_current_repayment": "-3960.24"
    },
    {
      "scenario_id": 169,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "806.68",
      "new_total_repayment": "29040.47",
      "new_interest_excluding_fee": "4040.47",
      "new_financing_cost_including_fee": "4040.47",
      "monthly_payment_relief": "-56.68",
      "new_minus_current_repayment": "-12569.97"
    },
    {
      "scenario_id": 170,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "831.63",
      "new_total_repayment": "29938.63",
      "new_interest_excluding_fee": "4165.43",
      "new_financing_cost_including_fee": "4938.63",
      "monthly_payment_relief": "-81.63",
      "new_minus_current_repayment": "-11671.81"
    },
    {
      "scenario_id": 171,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "858.17",
      "new_total_repayment": "30894.12",
      "new_interest_excluding_fee": "4298.37",
      "new_financing_cost_including_fee": "5894.12",
      "monthly_payment_relief": "-108.17",
      "new_minus_current_repayment": "-10716.32"
    },
    {
      "scenario_id": 172,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "531.18",
      "new_total_repayment": "31870.57",
      "new_interest_excluding_fee": "6870.57",
      "new_financing_cost_including_fee": "6870.57",
      "monthly_payment_relief": "218.82",
      "new_minus_current_repayment": "-9739.87"
    },
    {
      "scenario_id": 173,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "547.60",
      "new_total_repayment": "32856.25",
      "new_interest_excluding_fee": "7083.06",
      "new_financing_cost_including_fee": "7856.25",
      "monthly_payment_relief": "202.40",
      "new_minus_current_repayment": "-8754.18"
    },
    {
      "scenario_id": 174,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "565.08",
      "new_total_repayment": "33904.86",
      "new_interest_excluding_fee": "7309.11",
      "new_financing_cost_including_fee": "8904.86",
      "monthly_payment_relief": "184.92",
      "new_minus_current_repayment": "-7705.58"
    },
    {
      "scenario_id": 175,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "866.63",
      "new_total_repayment": "31198.80",
      "new_interest_excluding_fee": "6198.80",
      "new_financing_cost_including_fee": "6198.80",
      "monthly_payment_relief": "-116.63",
      "new_minus_current_repayment": "-10411.64"
    },
    {
      "scenario_id": 176,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "893.44",
      "new_total_repayment": "32163.71",
      "new_interest_excluding_fee": "6390.51",
      "new_financing_cost_including_fee": "7163.71",
      "monthly_payment_relief": "-143.44",
      "new_minus_current_repayment": "-9446.73"
    },
    {
      "scenario_id": 177,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "921.95",
      "new_total_repayment": "33190.21",
      "new_interest_excluding_fee": "6594.46",
      "new_financing_cost_including_fee": "8190.21",
      "monthly_payment_relief": "-171.95",
      "new_minus_current_repayment": "-8420.23"
    },
    {
      "scenario_id": 178,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "594.75",
      "new_total_repayment": "35684.90",
      "new_interest_excluding_fee": "10684.90",
      "new_financing_cost_including_fee": "10684.90",
      "monthly_payment_relief": "155.25",
      "new_minus_current_repayment": "-5925.54"
    },
    {
      "scenario_id": 179,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "613.14",
      "new_total_repayment": "36788.55",
      "new_interest_excluding_fee": "11015.36",
      "new_financing_cost_including_fee": "11788.55",
      "monthly_payment_relief": "136.86",
      "new_minus_current_repayment": "-4821.88"
    },
    {
      "scenario_id": 180,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "632.71",
      "new_total_repayment": "37962.65",
      "new_interest_excluding_fee": "11366.91",
      "new_financing_cost_including_fee": "12962.65",
      "monthly_payment_relief": "117.29",
      "new_minus_current_repayment": "-3647.78"
    },
    {
      "scenario_id": 181,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "929.09",
      "new_total_repayment": "33447.23",
      "new_interest_excluding_fee": "8447.23",
      "new_financing_cost_including_fee": "8447.23",
      "monthly_payment_relief": "-179.09",
      "new_minus_current_repayment": "-8163.21"
    },
    {
      "scenario_id": 182,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "957.82",
      "new_total_repayment": "34481.68",
      "new_interest_excluding_fee": "8708.48",
      "new_financing_cost_including_fee": "9481.68",
      "monthly_payment_relief": "-207.82",
      "new_minus_current_repayment": "-7128.76"
    },
    {
      "scenario_id": 183,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "988.39",
      "new_total_repayment": "35582.15",
      "new_interest_excluding_fee": "8986.41",
      "new_financing_cost_including_fee": "10582.15",
      "monthly_payment_relief": "-238.39",
      "new_minus_current_repayment": "-6028.28"
    },
    {
      "scenario_id": 184,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "662.35",
      "new_total_repayment": "39740.83",
      "new_interest_excluding_fee": "14740.83",
      "new_financing_cost_including_fee": "14740.83",
      "monthly_payment_relief": "87.65",
      "new_minus_current_repayment": "-1869.61"
    },
    {
      "scenario_id": 185,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "682.83",
      "new_total_repayment": "40969.92",
      "new_interest_excluding_fee": "15196.73",
      "new_financing_cost_including_fee": "15969.92",
      "monthly_payment_relief": "67.17",
      "new_minus_current_repayment": "-640.51"
    },
    {
      "scenario_id": 186,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "704.62",
      "new_total_repayment": "42277.47",
      "new_interest_excluding_fee": "15681.73",
      "new_financing_cost_including_fee": "17277.47",
      "monthly_payment_relief": "45.38",
      "new_minus_current_repayment": "667.04"
    },
    {
      "scenario_id": 187,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "994.00",
      "new_total_repayment": "35783.84",
      "new_interest_excluding_fee": "10783.84",
      "new_financing_cost_including_fee": "10783.84",
      "monthly_payment_relief": "-244.00",
      "new_minus_current_repayment": "-5826.59"
    },
    {
      "scenario_id": 188,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "1024.74",
      "new_total_repayment": "36890.56",
      "new_interest_excluding_fee": "11117.36",
      "new_financing_cost_including_fee": "11890.56",
      "monthly_payment_relief": "-274.74",
      "new_minus_current_repayment": "-4719.87"
    },
    {
      "scenario_id": 189,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "1057.44",
      "new_total_repayment": "38067.92",
      "new_interest_excluding_fee": "11472.17",
      "new_financing_cost_including_fee": "13067.92",
      "monthly_payment_relief": "-307.44",
      "new_minus_current_repayment": "-3542.52"
    },
    {
      "scenario_id": 190,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "733.78",
      "new_total_repayment": "44026.99",
      "new_interest_excluding_fee": "19026.99",
      "new_financing_cost_including_fee": "19026.99",
      "monthly_payment_relief": "16.22",
      "new_minus_current_repayment": "2416.55"
    },
    {
      "scenario_id": 191,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "756.48",
      "new_total_repayment": "45388.64",
      "new_interest_excluding_fee": "19615.45",
      "new_financing_cost_including_fee": "20388.64",
      "monthly_payment_relief": "-6.48",
      "new_minus_current_repayment": "3778.21"
    },
    {
      "scenario_id": 192,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "750.00",
      "current_payoff_months": 56,
      "current_remaining_repayment": "41610.43",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "780.62",
      "new_total_repayment": "46837.22",
      "new_interest_excluding_fee": "20241.47",
      "new_financing_cost_including_fee": "21837.22",
      "monthly_payment_relief": "-30.62",
      "new_minus_current_repayment": "5226.78"
    },
    {
      "scenario_id": 193,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "806.68",
      "new_total_repayment": "29040.47",
      "new_interest_excluding_fee": "4040.47",
      "new_financing_cost_including_fee": "4040.47",
      "monthly_payment_relief": "193.32",
      "new_minus_current_repayment": "-5962.35"
    },
    {
      "scenario_id": 194,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "831.63",
      "new_total_repayment": "29938.63",
      "new_interest_excluding_fee": "4165.43",
      "new_financing_cost_including_fee": "4938.63",
      "monthly_payment_relief": "168.37",
      "new_minus_current_repayment": "-5064.19"
    },
    {
      "scenario_id": 195,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "858.17",
      "new_total_repayment": "30894.12",
      "new_interest_excluding_fee": "4298.37",
      "new_financing_cost_including_fee": "5894.12",
      "monthly_payment_relief": "141.83",
      "new_minus_current_repayment": "-4108.70"
    },
    {
      "scenario_id": 196,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "531.18",
      "new_total_repayment": "31870.57",
      "new_interest_excluding_fee": "6870.57",
      "new_financing_cost_including_fee": "6870.57",
      "monthly_payment_relief": "468.82",
      "new_minus_current_repayment": "-3132.25"
    },
    {
      "scenario_id": 197,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "547.60",
      "new_total_repayment": "32856.25",
      "new_interest_excluding_fee": "7083.06",
      "new_financing_cost_including_fee": "7856.25",
      "monthly_payment_relief": "452.40",
      "new_minus_current_repayment": "-2146.56"
    },
    {
      "scenario_id": 198,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "10",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "565.08",
      "new_total_repayment": "33904.86",
      "new_interest_excluding_fee": "7309.11",
      "new_financing_cost_including_fee": "8904.86",
      "monthly_payment_relief": "434.92",
      "new_minus_current_repayment": "-1097.96"
    },
    {
      "scenario_id": 199,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "866.63",
      "new_total_repayment": "31198.80",
      "new_interest_excluding_fee": "6198.80",
      "new_financing_cost_including_fee": "6198.80",
      "monthly_payment_relief": "133.37",
      "new_minus_current_repayment": "-3804.02"
    },
    {
      "scenario_id": 200,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "893.44",
      "new_total_repayment": "32163.71",
      "new_interest_excluding_fee": "6390.51",
      "new_financing_cost_including_fee": "7163.71",
      "monthly_payment_relief": "106.56",
      "new_minus_current_repayment": "-2839.11"
    },
    {
      "scenario_id": 201,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "921.95",
      "new_total_repayment": "33190.21",
      "new_interest_excluding_fee": "6594.46",
      "new_financing_cost_including_fee": "8190.21",
      "monthly_payment_relief": "78.05",
      "new_minus_current_repayment": "-1812.61"
    },
    {
      "scenario_id": 202,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "594.75",
      "new_total_repayment": "35684.90",
      "new_interest_excluding_fee": "10684.90",
      "new_financing_cost_including_fee": "10684.90",
      "monthly_payment_relief": "405.25",
      "new_minus_current_repayment": "682.08"
    },
    {
      "scenario_id": 203,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "613.14",
      "new_total_repayment": "36788.55",
      "new_interest_excluding_fee": "11015.36",
      "new_financing_cost_including_fee": "11788.55",
      "monthly_payment_relief": "386.86",
      "new_minus_current_repayment": "1785.74"
    },
    {
      "scenario_id": 204,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "15",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "632.71",
      "new_total_repayment": "37962.65",
      "new_interest_excluding_fee": "11366.91",
      "new_financing_cost_including_fee": "12962.65",
      "monthly_payment_relief": "367.29",
      "new_minus_current_repayment": "2959.84"
    },
    {
      "scenario_id": 205,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "929.09",
      "new_total_repayment": "33447.23",
      "new_interest_excluding_fee": "8447.23",
      "new_financing_cost_including_fee": "8447.23",
      "monthly_payment_relief": "70.91",
      "new_minus_current_repayment": "-1555.59"
    },
    {
      "scenario_id": 206,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "957.82",
      "new_total_repayment": "34481.68",
      "new_interest_excluding_fee": "8708.48",
      "new_financing_cost_including_fee": "9481.68",
      "monthly_payment_relief": "42.18",
      "new_minus_current_repayment": "-521.14"
    },
    {
      "scenario_id": 207,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "988.39",
      "new_total_repayment": "35582.15",
      "new_interest_excluding_fee": "8986.41",
      "new_financing_cost_including_fee": "10582.15",
      "monthly_payment_relief": "11.61",
      "new_minus_current_repayment": "579.34"
    },
    {
      "scenario_id": 208,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "662.35",
      "new_total_repayment": "39740.83",
      "new_interest_excluding_fee": "14740.83",
      "new_financing_cost_including_fee": "14740.83",
      "monthly_payment_relief": "337.65",
      "new_minus_current_repayment": "4738.01"
    },
    {
      "scenario_id": 209,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "682.83",
      "new_total_repayment": "40969.92",
      "new_interest_excluding_fee": "15196.73",
      "new_financing_cost_including_fee": "15969.92",
      "monthly_payment_relief": "317.17",
      "new_minus_current_repayment": "5967.11"
    },
    {
      "scenario_id": 210,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "20",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "704.62",
      "new_total_repayment": "42277.47",
      "new_interest_excluding_fee": "15681.73",
      "new_financing_cost_including_fee": "17277.47",
      "monthly_payment_relief": "295.38",
      "new_minus_current_repayment": "7274.66"
    },
    {
      "scenario_id": 211,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "994.00",
      "new_total_repayment": "35783.84",
      "new_interest_excluding_fee": "10783.84",
      "new_financing_cost_including_fee": "10783.84",
      "monthly_payment_relief": "6.00",
      "new_minus_current_repayment": "781.03"
    },
    {
      "scenario_id": 212,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "1024.74",
      "new_total_repayment": "36890.56",
      "new_interest_excluding_fee": "11117.36",
      "new_financing_cost_including_fee": "11890.56",
      "monthly_payment_relief": "-24.74",
      "new_minus_current_repayment": "1887.74"
    },
    {
      "scenario_id": 213,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 36,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "1057.44",
      "new_total_repayment": "38067.92",
      "new_interest_excluding_fee": "11472.17",
      "new_financing_cost_including_fee": "13067.92",
      "monthly_payment_relief": "-57.44",
      "new_minus_current_repayment": "3065.10"
    },
    {
      "scenario_id": 214,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "0",
      "gross_new_principal": "25000.00",
      "withheld_fee_amount": "0.00",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "733.78",
      "new_total_repayment": "44026.99",
      "new_interest_excluding_fee": "19026.99",
      "new_financing_cost_including_fee": "19026.99",
      "monthly_payment_relief": "266.22",
      "new_minus_current_repayment": "9024.17"
    },
    {
      "scenario_id": 215,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "3",
      "gross_new_principal": "25773.20",
      "withheld_fee_amount": "773.20",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "756.48",
      "new_total_repayment": "45388.64",
      "new_interest_excluding_fee": "19615.45",
      "new_financing_cost_including_fee": "20388.64",
      "monthly_payment_relief": "243.52",
      "new_minus_current_repayment": "10385.83"
    },
    {
      "scenario_id": 216,
      "debt_balance": "25000.00",
      "current_nominal_annual_rate_percent": "24",
      "current_fixed_monthly_payment": "1000.00",
      "current_payoff_months": 36,
      "current_remaining_repayment": "35002.82",
      "new_nominal_annual_rate_percent": "25",
      "new_term_months": 60,
      "withheld_fee_percent": "6",
      "gross_new_principal": "26595.74",
      "withheld_fee_amount": "1595.74",
      "net_debt_payoff_proceeds": "25000.00",
      "new_monthly_payment": "780.62",
      "new_total_repayment": "46837.22",
      "new_interest_excluding_fee": "20241.47",
      "new_financing_cost_including_fee": "21837.22",
      "monthly_payment_relief": "219.38",
      "new_minus_current_repayment": "11834.40"
    }
  ]
}