Bank - Thank you for maintaining your loan repayments for the past 3 years. To show our appreciation we are forgiving the balance of your loan
Borrower - Yeah!
Bank - However we would like you to continue to send an amount that you can afford each month
Borrower - Well that seems reasonable, thanks.
Bank - Oh and we require you to go on paying that amount forever
Borrower - Forever! Really? You did say it could be just an amount I can comfortably afford didn't you?
Bank - Yes that's right. Of course the amount you choose must be at least as much as your loan repayment.
Borrower - Are you serious?
Bank - Yes, of course. Oh and by the way we are taking all your savings but we will leave you enough to pay your regular bills for a couple of months.
Borrower - Is any of this optional?
Bank - No we insist on forgiving your loan. It's the least we could do. You're welcome.