Native English speaker, conversationally fluent German speaker, learning French now. I agree. It seems German gets the reputation of being quite hard, and french easier, but I just don't see it. Sure German can be complex but it seems at least a bit more consistent and forgiving as a native english speaker. French seems to be deceptively simple at first "here is a simple rule to follow" and then hits you on the back side with "and here are the 20 pages of exceptions! "
Is it though? if you have a 0% loan wouldn't it make more sense to pay as little as possible to the loan, and the surplus you save invest in something that gives you a return on your money?
