<prompt> Human: That title sounds like an exaggeration... but it kind of isnt. Im been fighting with FedLoanServicing since August 11th of this year. I owed 13,000 not horrible, but I cant afford it. My grandpa is finally, thankfully, offering to pay it off in FULL. He said, Have them send a bill in the mail, Ill return a check. HE doesnt like computers, and frankly, I want a paper trail. I dont want them calling me for decades asking for payments on an account Ive already paid off like credit companies do... Anyway, the bill NEVER arrived. Ive called FedLoan several times since then, and none of the representatives could fix the situation. They kept mailing me NEW final payoff notices for me to give my grandpa, and yet they never came. Today, I called with my mother, because she gets results. It turns out they supposedly sent 1 letter in physical paper in August, but the the U.S. mail must have lost it. plausible Because it never came. Apparently every letter after was mailed to my paperless billing account. Okay, I never use it. I only click okay years ago to keep the 3 letters a week bills to stop coming in; Id been putting them under my bed they came so often. They argued that me signing up for paperless billing made it my fault, so I am responsible for the interest up until now. Making the final bill not 13K but 14K! Another 1,000. I said to the billing representative, Having signed up for paperless billing or not, my inbox is not my grandfathers physical home address, as has been requested every time Ive called. Thats nonsense. And secondly, when they said Im mailing it out to you. Thats horribly misleading language. It doesnt sound like email at all. Otherwise the representative at each call could have said, Im messaging it or sending it to your inbox. All I know, theyre screwing me and I cant stand for it. My question is, how can I pay for my original bill that I asked to pay for in August for 13K, and not the interest that they are trying to charge me for that I dont feel responsible for? I feel like I have a court case even... TLDR: Trying to Payoff Student Loans, Loan Company dodging me, Interesting Building!  <response>: These loans are in your name, you need to be responsible for them. That means monitoring messages from your provider. The interest is there because there hasnt been a payment. Youre stuck with it. 1000 in student debt remaining will be knocked out in no time. 