You slipped on your math. 100 month at 50 cents is $50 dollars. $.45 a month is $5.40 a year. Assuming no increase in postage, $25 in postage would be 4.6 years. Yeah, I did. I had the 25 cent coupons on my brain when I quickly did the math. So the period is half what I post. Still, if someone is making accelerated payments (more than minimum), I wouldn't expect it would take more than 4.6 years to pay the highest interest one off unless their extra cash added to the payment is small.
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