My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.