Now here is the monthly chart for the yield on the 10-year U.S. Treasury notes -- one of the key interest rate benchmarks widely followed by bond market enthusiasts: 10-year note yield, monthly.

Specifically, she’s encouraging them to run a stress test by making higher payments now. That gives them a sense of what their cash flow will look like as interest rates rise further.

This 1-year yield chart is a lot different than the 30-year chart over the same time frame. Short rates have headed up from late 2015 until late 2018.

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Interest rates fell even further in August 2016 to just 0.25 percent, rising again to 0.5 percent in November 2017, then settling on 0.75 percent in August 2018.