Netnet is a monopoly and should be subject to a class action lawsuit. They applied my extra principle payment to future interest. I have paid almost $400 monthly for 10 YEARS and have barely touched my principle. I would "refinance" this loan with ANYONE if I had the chance but guess what, there is no option other than to completely pay it off. Nelnet is predatory, political machine that needs to be dismantled. read full review »