I've just been rolling it. My oldest loan with them is around a year and a half old, and I've already been able to withdraw excess collateral a few times. While not financial advice, my method was to take the loan using half of the proceeds to purchase additional bitcoin. This way, after the bitcoin price doubled, the original loan could be paid basically be paid off using the sats purchased. I took my initial loan at ~67k though, and wouldn't recommend using this strategy at this point. I could pay it off at any point, but at this point have opted to just observe the market and hodl the debt for now.