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The PILL Method was first developed in 2006 with a singular goal of revealing to everyone the devastating effects of the amortized loan…be it your mortgage, student loan, auto loan, or credit card. Amortization is helpful and harmful at the same time. Although it creates affordable payments, amortization also causes those who take out a loan to pay 75% more interest than they need to and makes the overall interest costs astronomical. So much so that 90% of the people you know will never fully pay off their mortgage!