Your share (my share) of the national debt is about $50,000.00.

If this were my car loan I would not pay it off by cutting my payment. I have to pay on the principal to pay it off. So just like my car loan and my home mortgage I can pay them off early and with less interest by paying an extra amount to the principal each month.

It does work. I paid my home 30 year home loan off in 17 years by just paying an extra $100.00 to principal each month.