I've come across way to many people in this country that are in debt that really don't need to be making as many payments as they do.
It's unbelievable how much of people's debt payments go towards interest alone. I personally hate the banks for doing this. I was a victim of this for too long myself until I acted. Even if you don't realize it yet, keeping your debt around for too long will affect you too and hold you back.
This is why I tell most people that are making full payments that they are making a mistake. They can get a much better agreement on their debt if they simply did the research.