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Well, I should have mentioned that I do want to make extra payments. I believe what I want would debit my principal each month by my "extra" payment, and then the next month, the interest only payment would be calculated based on the new principle. At the end of the interest only period (10 years), the loan would be amortized over the last 20 years. That is, the spreadsheet would then calculate a new monthly payment including interst and principle for the next 240 payment periods.

Anything like this around?--Jake
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