I 've paid back my loan plus {$8000.00} interest. The variable rate has started and stayed at 8.5 % ( the highest rate ). I 've asked why it has n't changed at all and they said " it 's based on the market ''. What the XXXX is that supposed mean??? The market has been horrible and great in the last 9 years and it has n't changed at all. I feel like I 'm getting scammed. I 've paid back my loan with interest and I still have {$28000.00} to go. I initially started with a {$39000.00} loan. What can I do?