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Trouble with how payments are being handled. I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My c