We accidentally made a payment twice in one month. The next month I didnt pay it because I thought I was a month ahead. Then I start getting phone calls. After talking with them they said when I paid the late fees and the “skipped month” payment I would be caught up. It all comes off the balance they told me. I finally paid it all and now my payment of 197 is 263. Because I didn’t pay the 263 I now have more late fees. This interest fee loan is getting higher and higher. Total rip off. Never again. I’m going to use sofi and pay it off.