<prompt> Human: My old loan servicer used to reduce my interest rate by 1 when I made 36 payments on time. Then, they went ahead and sold the loan to Sallie Mae, which does not offer such a reduction. Is there any way I can get that benefit back? My rate is pretty low at 3.38, but every bit helps.  <response>: Unless its written into the terms of the promissory note you signed when you took out the loan, you dont have any real leverage to stop them from making the change back to the written terms. 