I'm making payments, but throwing every dime I can spare at paying it off early.

I don't want to pay this thing of for five years, that's a just-in-case-I-can't-do-larger-payments-one-month plan.

Hey, I'm in college, $180 a month is more than plenty.

 

Saltlick not that it really matters to me but an apprasial doesn't put cash in hand.You must have refinanced your house to recieve cash.That means you financed your bike for the entire life of the loan.So yes you did borrrow money for your bike.Not something I would do to be honest with you.Your bike is nice though but I would have kept the bike and eye surgery loan seperate from the house loan.The term is much shorter.