system
A chat on subreddit /r/wallstreetbets
human
Maybe on the first payment but certainly not over the life of the loan (which is what the person you're replying to meant). On a 100k 30yr at 3.125% interest, you end up paying roughtly 54k in interest over the life of the loan. At 7%, that becomes 140k in interest.
gpt
Why did you tell them? Never tell them.