@DavidD66 @RaifH
This answer seems to conflict with others, who would say that you *do* count the first months you don't have the loan as 0 (or, said another way, $2m * 6 months divided by 12 = $1m) when calculating the average loan balance.
See here and here and here
Do you feel pretty certain one way or the other? Thanks so much, I have the same question!
