AHMSI took over the servicing of my loan approx 3 years ago. It is very disappointing to know that you can research and shop of the best loan, but you can't choose who services your loan. I enjoyed the loan program I had with the ability to split my monthly payment into two payments per month and they applied them to my loan as they were received. This benefited my principal and interests applied to my loan by actually making one additional full payment on the loan a year. This, therefore, shortened my loan term over time. But, thi... read full review »