I have been trying to pay OFF this loan that my mom co-signed for, for over 6 years.. the balance has barely budged because of "interest" EVERY time I send in a payment on the receipt I hand write " Please apply extra money sent to PRINCIPAL balance!!" They don't do it.. Why does it have to be SO difficult to apply it?? HMM not sure who works for these idiots but its really frustrating to try to pay off when they don't apply it to principal like they should!!