The repayment structure remains the same over the term of the loan.
Eg 360 monthly repayments of $2000 over 30 years.
Payment 1 in 2013 is $2000, payment 360 in 2042 is $2000.
It's not easier because it's being paid down, it's easier because $2000 in future years is worth less than it is now.
The example above assumes a fixed rate for simplicity in demonstrating the repayment structure.
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