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FIM16 wrote:

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 I just don't get how sallie mae works since I've read so many different things in which people had a hard time with them particularily when they wanted to pay more than the minimum amount to decrease their principal and there was a complex process involved--I guess that's my real question..

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I understand.  It does seem like a lot of people have trouble.  I personally have been fortunate & have not had to deal with any shenanigans from Sallie Mae, but there's always a first time.  I would probably call to pay it off (when you're ready), if you are really worried it will not go smoothly.