Can wait 3 years and it’s like earning 600 per month on it when it catches up in about 8 years
They do disclaim they could drop it by some percent in 2035 and I’m still ahead by a few hundred. Investing is not as certain as that and high risk investing isn’t good later in life.
Thats one way of looking at it
If you don’t need it why take it out
I’ve paid the max amount almost every years since my late 20’s and am not even eligible to start receiving payments until a few years after its supposed to be done for
IMO they could close the whole thing tomorrow and it wouldn’t bother me a bit