I sent in $10, 000 additional with my monthly payment and clearly indicated on the form that it was for prepayment of principal. They applied it first to the next three principal and interest payments, then the remaining half to principal. They have done this before, and there are many complaints on these online forums about this company. I encourage everyone to file a complaint with the Federal Trade Commission (easy online form), their state Attorney General, and their State consumer protection agency. With sufficient volume of complaints the governments will take action. read full review »