Yes they do. There's an entire section in the terms dedicated to overpayments. And paying balances off quicker is hardly a hack, many people can't afford too. Here's a better "hack" for mortgage free
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Loading velocity curve…
—Views / houraverage velocity since it published
—Peak velocitythe hottest sustained views/hr it ever hit
—vs. their normalpace relative to this creator's own baseline
—Engagementlikes per view — real engagement is hard to fake
—Agehow early Slope caught this surge