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Discussion in 'Credit Talk' started by redline, May 10, 2001.
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I WOULD. You can continue to pay the extra amount but it will just advance you payments and you will eventually pay it off way ahead of time. However it seems like you will have still paid all the interest.
I would ask for the extra amount to be applied to the principle loan amount so that you get some break on the interest. Better safe than sorry. I would write AND call.
If you only have the servicer,in this case Sallie Mae, apply over payment to future payments then you continue to pay interest at the normal rate and save absolutely zero money. You must have them apply all overpayment to principle only. Have your wife contact Sallie Mae and tell them that she wants all overages applied strictly to principle only.
BTW, this is one way that most servicers make extra money, not only do they charge you all the interest, but they also have use of the overpayments for their own profit.
Thank you Judy & fla-tan for your reply you confirmed what I was afraid was happening I will have my wife send off a letter having them apply all overpayments to the principle. I may not make money off the computer like some people, but with people like you and this board at least I can save some of the money I do have.