The priorities are different, though. The bank wants to maximize the amount of money that gets paid to them, you want to maximize the amount of money that gets paid to you. While the bank doesn't want you to go under, they also aren't necessarily thinking in your best interest either; getting your loan paid off and never needing another one is almost as bad a result for them as if you went under. This doesn't mean they're bad people, just that the incentives, while not fundamentally incompatible, are also not fully aligned.
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