Sorry I have not been able to get on here and update until now. We spoke with the head of the law form and his response to us was that his associate was correct in that most of the time after 36 months usually the payoff is not %100. It is at the discretion of the trustee however and some trustees are more strict than others. Turns out that our trustee NEVER reduces the payoff, 5 years of payments or it goes back to %100 . Her mistake was she should have not have given us an "absolute' answer but instead told us ,usually its not at %100 but what trustee do you have ? The good news is that he told us to just keep making our payments, move the retirement money to a separate account just for record keeping so its not mixed in with our disposable income because retirement is protected /exempt which what you said thank you so much for all your help I really appreciate it