We take a snapshot of the loan as of the end of the month (current balance, rate, minimum payment) and amortize it to determine how long it will take to pay it off.  If it will be more than 2.5 years (30 months), then we round to 3 years and include an additional statement that shows the minimum payment required to pay the loan off in 3 years.  (See the link below for more about what determines which lines appear on the statement).