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Opportunity Cost and Time Value of Money theory analysis is the key here.
First, if you only plan on making minimum payments you want to decide if the extra cost (especially cash out of pocket today) is worth any long term savings compared to the opportunity cost of saving and investing any additional funds elsewhere.
Each loan comes with a ridiculously low APR so any monies invested in this appreciating asset you call home only generates a rate of return at the level of your APR. (the long term cost of your 'finance charges' for the loan) So the mistake you could really be making is only if you don't have other money being invested elsewhere (like the stock market) that generates an avg. rate of return in the 8-10% range.
So I'm sorry I can't help you figure this one out really....
or can I?