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None. I can't get in front of the interest payments and at the current rate, I will continue to overpay the loan approved. I have made payments for longer than a year and I still have a {$3900.00} balance on a {$4800.00} credit. I am not attempting to get out of any responsibility to pay, but the interest payment every month will never address the principal and I will be upside down unless I pay it off in full.