<prompt> Human: So, two weeks ago, my parents paid off my student loans for a sum total of 43,199. I see that the payment has registered, and most of the individual loans now show a 0 balance. While working on my taxes,just now, I see that my account shows a further remaining balance of 38,368, and my monthly payment amount was reduced by a mere 50mo.Why would that 43K only effect a reduction of less than 5k?Should I be consulting legal assistance at this point? How could Navient instantly almost double the amount owed? EDIT: the initial total in 2008 was 56K and over 10 years after not missing any payments I paid it down just over The 43K amount.  <response>: Call first. Could be that there are multiple groups of loans and they clear the balances on different days. Also, be sure that the lump sum payment included about 10 days worth of interest added on, as this is what SL companies typically say to add on given how long it takes for a payoff payment to post.But again, call first. 