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Nicht immer ist es sinnvoll, die Laufzeit zurückgezogen unter dem Aspekt jener schnellen Rückzahlung festzulegen. Da sie unmittelbar mit jener monatlichen Ratenzahlung in Zusammenhang steht, sollte die Erörterung, wie viel Geld im Monat zurückgezahlt werden kann, im Vordergrund stillstehen. Dazu ist ein gut strukturierter Haushaltsplan notwendig. Ebenso müssen finanzielle Ausnahmefälle - Jobverlust, schwere Krankheit - mit eingeplant werden.

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