<prompt> Human: My wife opened a loan statement from a loan shed been making regular payments 80 on it for quite some time, and the amount left was more than the original loan amount. It just doesnt seem right. I know she hasnt been making payments when she went back to school, but that was maybe 4 years out of 12ish years. We should have the remaining balance down instead of the balance being up. Some details: Original Loan amt: 6,300.00 Capitalized interest: 1,624.68 Total Interest Paid: 2,184.18 Total Principal Paid: 1,624.68 Total Late charges: 100.73 Outstanding Principal Balance: 6,586.55 interest Rate 6.270The statement notes the rate is variable and changed to 6.270 in May. Not sure if it went up or down. Probably up. Any suggestions? Any idea on how remaining balance could still be above actual loan amount? When it comes to finances, Im not the best. Edit: Thanks Everyone for the feedback. I think this helps explain why the remaining balance is up so high still.  <response>: This isnt predatory lending at all. She wasnt making large enough payments to put a dent in the principle. 