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None. On XX/XX/XXXX I made a {$770.00} towards a personal line of credit that I have with SoFi ( this loan was originally with XXXX XXXX Bank ). The Transaction ID with SoFI is XXXX. At the time of payment the principal balance was {$47000.00} and the interest rate 4.75 %. The draw period of the loan ended on XX/XX/XXXX. SoFi 's system automatically deducts accrued interest for the payment before applying it to principal ( if I made a {$100.00} payment and owed {$50.00} of interest, {$50.00} would go to interest and {$50.00} to principal ). SoFi 's system accrues interest daily from the normal payment or due date. My due date is the XXXX of the month. For the payment in question {$280.00} was applied to interest and {$490.00} applied to principal. Since my due date is the XXXX of t