I don't know which is more pathetic, the OP's nonsense or the other guy asking for a one liner.
The nonsense mixes correct ideas with incorrect ideas, as it usually happens with this kind of arguments, because if they were clamorously incorrect nobody would believe them.
But because of the wording on the paperwork, what you really did was to prepay your loan, just like you can pay your car off early.[/size]
Ehhh no. So what follows is incorrect as well.
Sorry about not being brief. For people who don't understand any of this, it can't be brief.
For those of us who understand it, it's clear that it's too long on purpose.