Sallie Mae Po Box 9533?

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Tired of Being Broke: This is how Sallie Mae keeps students in debt

I'm sure you're doing this, but make sure when you send your payments, you let them know that any extra is to go towards paying down principal. If not, they'll apply it to the next month's payment (principal and interest), which doesn't help you out at all. My regular payment is automatically withdrawn from my account and then I mail a check (stating strictly "for principal only") for any extra I'm sending.

In other words, your next payment won't be due until December, but you still have interest accruing and capitalizing every month. By the end of November, interest capitalized on a balance of $10,020 and your regular $80 payment went mostly towards interest and barely touched the principal. This is why it seems like you're not making much headway and your balance is growing. What you want to do is make your regular payment of $80, which would hypothetically create a new principal balance of $9,990. Then send the $80 as a separate payment with "principal payment" written