I'm doing pretty much the opposite of what you recommend. I'm glad to have a 15-year mortgage with a low rate and I've paid extra when I've been able to. This has saved me a significant amount of money, and as a person who earns little, I'm relieved to know I'm between 1-2 years away from being mortgage-free. My balance is down to a bit more than $10K. I see no reason at all to waste thousands of my precious dollars on interest. I don't have money to waste.