I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.