I have made 30 payments toward my loan at 322. a month and the balance is down to 11, 800. how is this possible? When I asked what pay off for my loan was it was more than what the actual loan amount was for. After asking many questions what it boils down to is that I am paying approximately only 23. a month toward the principal. At this rate I will never be able to pay this loan off. How is this even legal? What can I do about this? Out of the approximate 9, 000 that I have paid only 700. has went toward the loan...I am at a loss for words and devastated!! read full review »