Account for loans that may change interest rate over time.

[jimmale]

Some loans change interest rate on occasion. unbury.us doesn't account for these changes when attempting to minimize the interest paid.

For example: In the US, federally subsidized student loans have 0% interest for the first six months after the student graduates, and then increase to a rate that varies depending on the loan. Additionally, a major credit card company offers 0% interest on balance transfers for the first 15 months, but then increase the interest rate considerably after that.

In some circumstances, it would be very beneficial to pay down balances before the interest rate increases.