I took XXXX private loans from Citi Bank between XX/XX/XXXX-XX/XX/XXXX. I was an international student then so I was not eligible for federal aid. XXXX of the XXXX loans were sold to XXXX, XXXX continues to be with Citi. This XXXX ( originally a XXXX $ loan ) I still have with Citi has a 6.5 % interest rate. I have been making regular payments since I finished graduate school. On addition, whenever I can, I have made payments towards my principle. However, I just realize that the math does not add up. For instance, though I made a payment of XXXX $ towards my principle XX/XX/XXXX, my balance is still way above XXXX XXXX How could that be given that my original loan was XXXX XXXX I have stayed on top of my monthly payments, and I have made other additional payments, clicking the box that says " apply towards principle ''? Thank you for your help!