<prompt> Human: This sub heavily advocates paying off debt as soon as you are able and I live by the same mantra. I have some private students loans that I had been steadily paying off for about 5 years. My wife and I got into a financial situation where we were able to throw extra money at the my private student loans. I called the provider and asked them to double my auto-debit amount each month. About a year later my wife went back to school and we lost her income. I called the student loan provider and asked for the payments to be reduced back to the original amount I had paid for 4 years. Then a couple of months ago I noticed that payments had started to increase. I called the provider and was told that my student loan now needed to be paid off by Jan of 2016 and that my payments would continue to increase every month until January to make sure I made the timeline. I asked to see the original loan repayment plan which I was informed had to be mailed to me. Once I received the letter I found that my loan was originally due in July of 2020. I called the provider today and was informed that when I asked for my auto debit amount to be increased it changed the repayment terms of the loan, and now the loan will be due by Jan of 2016. After asking to see the documentation showing me my new loan terms that I had allegedly verbally agreed to, I was able to get my original loan terms reinstated. The customer service rep told me that if I wanted to pay more each month on my loan it was best to do it manually so that new terms would not be issued.Just wanted to give a word of caution to everyone in a good enough financial situation to over pay on loan payments. Also stay away from Navient if you are a student shopping for a private student loan...TLDR: When increasing your auto-debit payments for a loan, ensure it does not change your loan repayment terms.  <response>: Ive never heard of this happening before. I suspect that if you spoke to a human when increasing the auto-debit they just switched plans on you instead to up the payment. Thats probably just poor training and ignorance rather than malice the people answering the phones arent usually too bright at any of these places. 