At the end of those 15 years the compounded interest will have driven customer costs to 31.3 cents per kWh, about four times what they are paying now.

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Reverse mortgage consumers struggle to understand how interest gets compounded on a loan that does not involve monthly payments on interest and principal.

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But at the time of final modification, my happiness was beset by the realization that they had added massive compounded arrearage, interest and whatnot to the end of my loan.

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