worked well for my sister and husband but not really working for me
but the figures on the site are true you just have to be good with your savings.but if your facilty was 100k for example when you opened and after a year you got it down to 90k you can then reduce the facilty so you cant then just dip back in to it
i did plan to use my 2 bonuses a year to help reduce mine but they usually end up smoked aswell