<prompt> Human: So some background, back in 2015 I took out a loan for an engagement ring. It was for 3250 12mo same as cash and Ive been making 300mo payments to pay it off in a year. Because of my new job I switched to the minimum payment of 183mo just to allow myself some breathing room while I was moving. So I knew I missed the same as cash benefit but the plus side was that the accrued interest was only on the remainder not on the total amount. I called to make my last payment today and the loan officer said my remainder was over 600. I kind of freaked out and asked how that happened because in October I only had 1000 left and made a 500 payment, a 300 payment in November, and then the 200 payment this month. The loan officer told me he was very confused because it wasnt showing any problems with my account. But then he said each month after the same as cash it starts charging compound interest on the original amount every month. I told him that wasnt in the contract and he agreed and said he would figure it out and call me back. He never did Well Im calling again tomorrow morning to figure it out, any tips?  <response>: 12 month same as cash- if you dont pay it off within 12 months, interest is added from the beginning. Sounds like you missed the 12 month window and now owe the interest on the whole amount. 