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Received bad information about your loan. I logged in today XXXX XXXX/XXXX/XXXX XXXX to make sure I was current and to schedule my next payment. It states my amount due is {$34.00} and not due until XXXX/XXXX/XXXX. I have two student loans : one due for $ and one for XXXX that totals {$34.00}. I called to ask Navient 's customer service why my payment was n't due until XXXX and I was told that I had over paid so I am not due until XXXX. But this {$34.00} is late fees. If I overpaid, why was n't it applied to late fees if i have them? If I am paying in advance how do I have late fees? And if those are my late fees what is actually due and when?