KeyBank NA Student Loan Complaint

KeyBank NA Student loan department,

Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Ohio

I attended - University, graduating in - -. I have been making auto payments on my loan for the past 7 years and am in good standing. My interest rates are currently set at variable rates of - % and - % for - different loans. Based off the interest rate, life of loan, and principal balance, I would think my monthly payment should be approximately $450.00 ; however, I am paying $ - monthly. When I called to inquire as to why I am paying so much more per month, I was told it is because of the variable interest rate. I consider this explanation inadequate and fear that I am paying more than required yet not paying off my loan any faster. Furthermore, - advertises " help '' to get a lower monthly payment. I called to see if I could have a lower monthly payment, even if that meant extending the life of my loan, and I received no help. I was basically told I have no other repayment options because I am past the 18 month period since the start of loan repayment in - -/-/-. Based off the remaining principle, current interest rates, and my monthly payments, I calculate that I should have my loan paid off in -/-/- versus my repayment schedule says repayment is -/-/-. How do I know if this is correct? The answers provided by Great Lakes have not helped me understand my loan or repayment plan. I feel that Great Lakes servicing is deceptive in their marketing of lowering repayment options, misleading in how my monthly payment is determined, and unwilling to work with me, a borrower in good standing. Lastly, they do not have clear documentation on mygreatlakes.org of my entire payment history, interest rate changes, and information regarding my interest rate ( e.g., I can not find information as to whether my variable rates have a cap ).