I got Bombay Salliemae to lower my interest rate because of four years of on-time payments they overlooked. Went from 6.1 to 4.1% and the loan payoff went down almost $1000.00, and they deducted andall the late payments they alledged I had accrued. And my payment schedule is right up to date. Knocked about 7 payment off the end of the loan. Paying for my Vineyard trip with this savings.

I had 31K worth of student loans when I finished. My loan payment book was about as thick as a phone book. I worked all the O.T. I could just so I could pay it off. Seven years later I finally finished. Keep the faith Swimmer. It only feels like an eternity of payments!

I will Matt.