I had XXXX student loans through XXXX XXXX that are now being serviced by American Education Services. XXXX loan, taken out in XX/XX/XXXX is for just over {$30000.00} at a 2.18 % interest rate, monthly payment of {$160.00}. The other is for about {$18000.00} taken out in XX/XX/XXXX with a XXXX. 25 % interest rate, monthly payment of {$120.00}. I am very diligent about paying these and was always making extra payments when they were with XXXX. When they went to AES, I had to set up automatic payments again. I pay an extra amount of {$70.00} every month and instructed AES to always apply this to the loan with the higher interest rate. They have ignored my instruction for the past XXXX months and continue to apply the extra payment to the loan with the smaller rate " because I am paid so far ahead on the other loan. '' I have tried to explain to them that this is my intention- of paying the higher interest rate loan off early. After XXXX written instructions of how to apply my payments, I spent many hours on the phone with multiple people who insured me this would be taken care of. The most recent payment was applied completely wrong, they did n't even apply the minimum payment to the loan with the higher interest rate and instead applied almost all of the {$360.00} to the loan with the smaller rate. They are intentionally making it impossible for me to pay down XXXX of my loan balances early. I have been hung up on after being on hold after XXXX minutes, I have been transferred to XXXX different people every time I call with XXXX minute wait times between transfers and also have been put on hold for XXXX minutes while whomever I am speaking to " reviews '' my loan. I want to pay down my loan with the higher rate but they are refusing to apply the payments correctly. I have complained to supervisors and this still can not be taken care of. Both of these loan were refinanced when they transferred to AES. I had already been paying on them for XXXX out of the XXXX year term and now they have been stretched out again to another XXXX years from XXXX XX/XX/XXXX, also forcing me to pay longer on loans. AES is doing everything possible to insure I pay on more for these loans than the original lending terms and not allowing me to pay them down early by manipulating how payments are applied.