That all depends, if you have the ability to not miss a payment or finish paying off the amount before the end of the term.
If you miss or late with a payment, You will lose the program and all charges go way up. If you do not pay off in the term period, You will also see a large jump in charges and payment. This also includes all the charges and interest you would of paid. You will see this charge on your statment. This is a great motivator to get er done.