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south dakota | If it fully paid off the older note I would put the money to it and use the payment on the old note to put towards the newer note and get it paid faster. Frees up cash flow and if make the extra payment it would be in a way lowering the long term Interest on the newer note since your paying it off faster. If as an example you get in a tight cash situation and are still paying on both loans and need to consolidate both together you may end up in a higher interest situation but by paying off the one note and get in a tight cash situation can just stop paying the extra kn the older note and use that cash where needed for the moment without a refi.
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mysterious question
