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None. I called Lightstream because I did get a loan from XXXX for a debt settlement with a much lower interest rate. Light stream is making me pay the loan off on Thursday, XX/XX/XXXX when I want to pay off the loan today to avoid excessive interest fees. They told me I could not pay off the loan today Tuesday, XX/XX/XXXX and I had to wait until Thursday, XX/XX/XXXX this is illegal and I want Lightstream to pay me back the interest I was over charged about {$400.00}.