ST Alpha - "my loans are AES and VSAC, but I have always felt like something very fishy was happening." (Reading a Post)

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In response to "heh - I'm curious to see how this process goes. I just want out from underneath Sallie Mae" by Epiphany

my loans are AES and VSAC, but I have always felt like something very fishy was happening.

Posted by peggy ann mcamanda (aka amanda) Nov 25 '13, 11:03

like, if you go to a loan calculator and say "I owe this much at 6.9% and my term is 15 years" it comes up with a number *much* lower than my minimum payment. I can't get answers about why that is that satisfy me, so I would rather consolidate via payoff/third party and have control over my *one* loan; feel as though I know what's going on.

97 warns me against variable rates. but I'm going down to 4.4% -- the difference I can make in principal even if rates go up soon will be pretty real.

and if rates go up enough that I want to refi, I can refi again.

Responses:

I'm surprised your variable rate is so high - meaning - if you got that - I'm going to get less - Epiphany Nov 25, 11:12 1
- my rate was 6.8 to begin with because my loans were grad. yours are probs at 3.4% for the most part. - peggy ann mcamanda Nov 25, 11:50

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my loans are AES and VSAC, but I have always felt like something very fishy was happening.

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