I took out a minimal amount of loans to pay for undergraduate and graduate work and I am now trying to pay them down ahead of schedule. When my loans were with Direct Loans I could easily make additional payments that went directly to principal. Since my loans were bought by Nelnet, I have not been able to do this. I have written special instructions and sent in paper checks requesting that money be applied to the principal of a specific loan group (my highest interest loan). When they advanced my payment instead I called and complained... read full review »