In order to pay for XXXX XXXX, I took out loans with XXXX XXXX ( as well as State/Federal ). I, like many others I 've heard from, have had difficulties communicating with XXXX XXXX representatives and getting good information. 

I have requested information from XXXX XXXX regarding how my minimum payment is calculated and about the history of my loan balances and how they have changed over time pursuant to the amounts I 've paid - e.g. how much was applied to interest vs. principal. 

I have been told this information is too difficult to gather ... and that the XXXX format of the information is difficult to translate into an email or letter. I had a sneaking suspicion that the minimum amounts to pay each month and they way they were being allocated were sub-optimal for me. 

Similarly, I requested an amortization schedule from them so I could get an idea of how my loan balances should reduce over time. I was told this was impossible because of my variable interest rates ... however, all of my loans through XXXX XXXX have fixed interest rates. A follow-up communication by me on the matter was not replied to. When I plug in my XXXX XXXX loan information ( principal balances, interest rates ) into Amortization calculators on the internet ( designed for mortgages ), I get different minimum payment figures than what XXXX XXXX provides, which furthers my distrust. 

I have included a PDF from XXXX XXXX that shows their answer to my aforementioned question, which includes the element about my loans and their variable interest rates. Again, my loans have fixed interest rates. 

Are these unreasonable requests? And how should I best approach the matters? XXXX of the reasons I decided to refinance recently was not just to save money, but also to not have to deal with XXXX XXXX anymore. 

Thanks!