<prompt> Human: Hello,I have a single student loan left, under 10k. It was previously being handled by campuspartners who was bought out by heartland ECSI.I was overpaying my amount due by 100 dollars, and in the buyout they used this amount as the required amount due per month. the additional 100 dollars I could put toward the payment was towards principal, should I be worried this 100 is no longer being attributed to principal?  <response>: Changing the minimum payment doesnt change how math works. Interest is still calculated the exact same. Anything over interest goes to the principle. 