Paying 948 every two weeks saves about 88,122 in interest and 5 yrs 11 mos off the term.
Twenty-six biweekly half-payments equal 13 monthly payments a year, one extra month of principal annually.
That extra payment goes straight to principal, so it compounds into a shorter term and less interest.
The faster payoff comes from paying more per year, not from biweekly compounding magic, so 1/12 extra each month gives almost the same result for free.
Next stepConfirm your lender applies biweekly payments to principal immediately and charges no setup fee.