If you desire to fulfill your obligations under this ISA prior to the expiration of your payment term, you may at any time pay an amount equal to the payment cap, less any monthly payments you have already made, plus any outstanding fees, as satisfaction-in-full of your payment obligations under this agreement. In addition, the sum of the total payments you owe under this agreement will not exceed the payment cap, plus fees described in the disclosures, regardless of your earned income. A prepayment option is available for consumer convenience, but there are no financial or other benefits whatsoever to students who pay off their ISA early.