conversation: User (Spidey255): "In managing our finances, I set up everything through Mint, and for student loans, Unbury.me. I've already been paying extra onto my student loans through Nelnet, but I couldn't find a way to control exactly how much goes where in my monthly payment. I was able to do this pretty easily through FedLoan.gov on my wife's student loan account.\n\nI have seven individual loans, ranging from 4.5% to 6.55% APR. Upon further investigation, I saw that routinely, my extra payments were going toward low interest groups and hardly any high interest groups. I struck up a chat and told the servicer that I can't find on the website how to control my auto-debit so I could put my extra payments toward my high interest groups.\n\nShe said she could push a request to put extra payments toward the higher interest loans.\n\nI asked if there was a way to do it myself online.\n\nShe said it's impossible.\n\nI asked why.\n\nShe said, "Federal rules."\n\nI said, "Is that true? Because we were able to do it just fine on my wife's account on FedLoan."\n\nShe said, "I can't speak on behalf of other servicers."\n\nI said, "Can you direct me to the federal rule that prohibits consumers from controlling where their payments go in grouped loans?"\n\nShe then explained that it's part of my promissory note.\n\nI said, "I'm fine with that if it's part of my promissory note, but don't lie and tell me it's a federal rule when it's not."\n\nShe apologized and clarified what she meant.\n\nI guess my question is: Is this normal? Are there any further steps I should take?"
  Self: "Eh. It's normal that she doesn't really know. They tell her what to say, and they have a bank of reasons to deflect people. That's how customer service works. The real answer is "that's just how our system is set up".\n\nI think you can have a specific loan "ungrouped" so that it's billed separately and you can set an independent auto-debit to that account. Although that might have been with a different servicer."
  