Hopefully that does get written in and confirmed then, I would definitely appreciate 0% on my private loans for a year! Based on the last year's worth of payments, that would equate to about $3k additional towards principal without me paying any extra. I know the common financial advice is to not pay a penny over what is required on a 0% interest loan, but I just wouldn't do that on my private student loans - can't wait to be done with these.