Navient is my loan service provider. I choose to make my payments every month myself as I work in the XXXX and believe that ACH debits create more headaches then actually help the consumer due to the number of fees I have seen them cause for this so called convenience. I have XXXX loans with Navient and I always pay a little more then is what is due. I contacted them on XXXX/XXXX/XXXX because I noticed that I was paid ahead and had been for sometime. I did some research on their site and noticed that any extra payments do not get applied to the principle of the loan they go to future payment. I emailed them and asked that my payments be reapplied to the principle instead of future payments and that going forward my payments be applied that way. Their response was that their platform does not allow that unless you are on auto pay. XXXX if all I feel as if I am being discriminated against because of the way I choose to make my payments. XXXX of all this could cause not only myself it any other people who want to pay this way to pay more in interest in the long run. For example a change in payment date could effect the total payed on the loan or if you were not paying attention and noticed you did n't owe anything on the statement and forgot to pay it you would have made that future payment for no reason. I believe that if thy are going to offer it for XXXX type of person making payments a certain way anyone making payments should have the same options. XXXX I believe they have probably profited from this practice unfairly charge people interest by not applying extra payments to the principle of the loan. Thank you for looking into this.