This is a very valid complaint as I too have $475 in misapplied payments and after months of letter writing, conference calls with banks and the Direct Loan Customer Service, I have been conversing with them since June of 2010. I sent a letter to all the officials of the US Dept of Education Student Loan Board and not one individual has responded. The US Dept of Education has so many problems that they can't admit or have the decency to write. Cudahy, WI