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Now as to the alternate payment schemes you mention, the first method, paying extra, is very possible and recommended with most mortgages. They do have a finger in every pie. Is all about what for the borrowed money will be paid back two or three times more. Wineries like Fetzer are moving into the area and Beringer has significant platings here.
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Early repayment status loophole allows continuing students to consolidate. Imagine having to send a letter to a dead beat offering that "citizen" 45 days to catch up before repossession. Basically if you default, you pay yourself back as you are the lender. The payment plan may be changed by Borrower as provided in Sections 2.
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