<prompt> Human: Not that its a bad thing. In general I like the option of paying a little less incase Im particularly tight on funds some month. But I got a letter saying that my monthly payment had changed but doesnt give a specific reason. Some of the reasons I can instantly cross out, but theres a few suspect ones: Your repayment plan has changed - Not sure why that would be. I didnt request any changes.Your interest rate has changed - Its a federal loan, so I dont think that would be the case.Unpaid interest has been capitalized - Again...not sure why that would have happened. Due to past delinquency or late payments, the monthly payment amount was insufficient to pay off the loan within the remaining repayment period. - This one is a little scary, because this happened after I was a few weeks late with one payment. I thought I had paid, but must have missed a submit button. But I paid it within two weeks of its due date, never got a penalty. And it seems weird that the payment would go down, rather than up. I dont have any accrued interest on the account, so I thought perhaps it was because the full accrued interest had been paid. But that isnt a listed reason. I thought maybe the accrued interest had been capitalized as a penalty, but, again, why would it go down?Overall it doesnt seem like a bad thing, but Im suspicious that something bad is happening under the hood. Since theyre closed now, Im asking here first to see if theres an obvious explanation. Otherwise Ill be calling them tomorrow. Thanks for any help.  <response>: I say give them a call. It is going to take what, half an hour of your time? Even if it is nothing, that is worth it for the peace of mind. And if there is some screwup, you will have saved yourself a LOT of trouble down the line. 