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An amortization schedule is a schedule showing the effects of making principal and interest payments over the life of your loan as it relates to the loan balance and interest paid. It can be a useful tool to help determine the effects of making more than the required monthly payment, or in observing how much of your payment is applied to the principal reduction versus interest over the life of your loan.
This can then happen a few times over just a couple of years and clubs become left with huge squads packed with out-of-favour players. With PSR rules now also in place, that type of endless player acquisition just isn't going to be possible for most clubs any more. ‌