Financial Plus?

I received the January newsletter from a Credit Union I am a member of and on the front page was this headline...

Skipping a Payment Frees Up Extra Cash

The article stated, "you can skip a loan payment when the time is right for you - twice per year".

They continue...

For your convenience, you can choose the months that work best for you (back-to-back payments are excluded).

That's not really allowing me to choose and the scientific community is united in that fact.

Further down I found...

There is a $25 processing fee for each loan payment you choose to skip (so much for freeing up extra cash).