Good ideas and conversation. No ads, no tracking. Login or Take a Tour!
I guess, for some the opportunity costs you mention aren't the only variables in play. Sure you aren't investing fully in other areas because you are over-paying on your home but the question is, is this worth it to salvage your credit score? For some, the answer may well be "yes". Sometimes it is practical to pay, but I do think doing so because you feel "ethically bound" is silly. It's already hard to secure credit, try doing so with a home default on your record.