Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.