<prompt> Human: Aside from what everyone already knows and is aware of, I just had to vent my rage at this company at 2:30am to anyone possibly looking on advice on whether they should or should not go for that big school loan with Sallie Mae. Answer is: DONT! Ive had a loan with them, one single loan of 8,000, and all I want to do is get it paid off and be done with their subtle underhanded scheming to get more money from unsuspecting college students. I have been set up for automatic debit from them because at times I forget to pay my bill. This eleviates that issue. When I sighned up for this 6 months ago, my monthly min. was 198. Now they have slowly snuck it down to 173. Sadly enough, this slowly adds a month or two to my pay off date with every few dollars its lowered. Though I can just pay the extra each month to continue paying off my loan, Im just so freaking SICK of how this company opperates and had to let someone know and Reddit seemed to be the place to go. Edit: There are also a miriad of other reasons, this is just a new one Im particularly fired up about.  <response>: This isnt really rage-worthy. You instructed Sallie Mae to deduct the minimum payment amount from your bank account each month. The minimum is usually 2 of the current loan balance. As your balance decreases so to does your minimum payment. Discover and probably every other lender does the same thing for their credit cards. I know this because I read the fine print.Even though you have payments setup automatically you should still check up on your accounts at least once a month. Add a calendar reminder if youre forgetful. 