@ earthfire:
It is true that the payments never go away.
It is NOT true that WT has lowered the expected payments. The new "donation" amount is to be equal to, or greater than, the previous loan amount. That is specifically stated in the BOE letter.
If a congregation's monthly pledge falls short of the promised amount, the elders are instructed to bully the cong. via talks and remind them to fulfill their promise.
(Incidentally, 'fulfilling your promises' applies only to the rank-and-file, NOT to WT itself).