The ONLY THING I hate about UAI is you can't save on interest by paying extra payment every month. Interest is caculated in loan and it become one Balance. If you make extra payments every month, it only decrease the balance; but you don't save on interest. The only way to save on interest is call them and get the paid-off amount (with-out interest) and pay it in ONE SUM. Their Loan Program Stinks !!! read full review »