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Debt was paid. I should not owe any more money to XXXX XXXX ( XXXX ) for transitional funding loans taken out XXXX, according to XXXX 's loan terms in writing in the XXXX Transitional Funding Guide on page XXXX as well as in the emails sent to me from XXXX Grants and Loans. I was supposed to start repaying XXXX XXXX XXXX, and only when a loan repayment is overdue by 61 days and only then will the {$20.00} late fee start applying and that the loan taker had until XXXX XXXX, XXXX before sent to collections, but my loan account was sent to collections in XXXX XXXX. XXXX emails said XXXX MIGHT charge the {$20.00} late fee, but they never did. Instead, what XXXX did was have ECSI charge me a XXXX % late fee on my account in XXXX. XXXX, and XXXX gave no warning of this, and it was not in the agr