<prompt> Human: I recently refinanced my student loan debt. There were 8 different loans with various interest rates. My new servicer of the loan sent Navient the full amount of all off the loans. Navient only applied the amount to the first loan and therefore I have a huge overpayment.I feel that they are stalling. They will probably send me a check for the overpayment amount, wait for me to put it in my account and then make the correctly allocated payments, all while the remaining loans are building interest. Im going to call them on my lunch break but my question is, am I responsible for the interest accrued on the other loans from the date that Navient received their money and applied it to just the first loan?I know you can request specific distribution instructions when you make a payment and I tried to do this on Navients website after the new servicer sent the money to Navient. In my mind, if the payment amount is enough to cover the entirety of all of the loans, it shouldnt have to be written out that it should be applied to all of them and not just the first one. Perhaps Im the ignorant one...If anyone has experience with a similar situation or insight on how I should handle this, it would be appreciated!  <response>: Ive dealt with the company before and have absolutely nothing good to say about them.I recommend that you start sending certified letters, contact the appropriate regulatory agency, be it CFPB or whoever is in charge of loan servicing companies, and file a complaint. 