<prompt> Human: At any time during the month I am allowed to make a one time payment via ACH for as little as one dollar.I was considering automating a process to ACH tons of extra principal payments for one dollar and see if I can pay my normal monthly this way. Since each one is its own transaction the servicer would be charged a fee even though its free for me. The goal is to make servicing my loan unprofitable to the point where they will settle the loan for a reduced sum of cash. I take it they have to take my money even if I sent 500 1 checks in a box  <response>: Loan servicers can refuse to accept payments in formats they do not prefer, and usually can charge fees for unusual arrangements, such as paying by crates of nickels. 