The minimum formal length of a trust deed is four years (48 months). Apart from exceptional cases, getting discharged from a trust deed before the passing of four years is almost impossible. Since people get a trust deed agreement to pay off their debts eventually, most people cannot afford to end their trust deed early. This is why ending a trust deed before four years is rare.  If you want to pay off your trust deed early, you must legally qualify for early discharge by paying off the total debt amount, including debt interest and associated trustee fees and costs. This could most likely result in you paying a higher amount than the money you owe.