I filled my bank up on 1st year pay and took it out on 2nd and 3rd year pay. If you need to get 80 or so hours of credit each month to make your budget work (which most probably do on 2nd year pay) you have a tough time getting it all out because you can only "fill up" so much. If you do 80 hours per month you can usually take out 5-7 per month so it takes about the whole year to get it out. If you do 85 hours per month you won't be able to take out much if any depending on the ALV for the month.