TL;DR – If the federal government is subsidizing the curiosity on my loans as a result of my minimal cost is $0, do they subtract any extra cost I make in direction of that mortgage from the subsidy I might have acquired?
I do know that in the long term sure, I ought to repay the mortgage. However I am *at present* in a bizarre scenario the place I haven’t got all the data I must make an knowledgeable determination resulting from what I consider is a pc glitch of some type.

For just a few years, I paid the whole lot of my pupil mortgage’s month-to-month funds with out concern, however then my funds modified, I could not afford it, and so I utilized for revenue pushed reimbursement and dropped my month-to-month cost to $Zero for the final yr or so. Throughout that point, the federal government sponsored the curiosity. Final month I needed to recertify. I not too long ago acquired a really slight increase, however not sufficient to trigger me to have a month-to-month cost over $0. However, I wish to put a bit of cash towards paying off the principal.

This is the factor. I have been paying these loans since 2015. I have been on revenue pushed reimbursement since final yr. However my loans are cut up into two accounts, and for some purpose, the smaller of those two accounts exhibits no cost historical past on the supplier’s web site. If I take a look at the main points of the mortgage, it exhibits that I’ve clearly paid 1000’s of {dollars} over the previous few years, however the cost historical past is simply clean aside from final month once I made an additional cost myself.

final month, I paid an extra $150 in direction of that account, and it was positively withdrawn from my checking account as $150. Trying on the two accounts, the bigger of the 2, which I did not personally pay something towards, exhibits that the federal government sponsored the curiosity and paid $50. The smaller of the 2, which I paid the $150 towards, exhibits solely that $150 and no subsidy from the federal government. So did I not obtain the subsidy *as a result of* I paid greater than vital?

I am unable to return and take a look at earlier cost historical past for that account to see how the subsidy was dealt with, as a result of for some purpose that historical past has vanished into the aether.



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