AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

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

I took out - loans in - and - to supplement my federal loans. The total was $8100.00. My Dad helped me out and paid the set payment fee for two years ; this was approximately $80.00 a month split between the - loans. The interest rate has constantly changes around - depending on which loan. It has now been 10 years and I have barely made a dent on the loan. As of - - I was told I would have - more months of repayments-14.5 more years at $65.00 a month. I am not the best at math but with an interest rate at 4 % I would have $230.00 in interest a year, $19.00 a month and yet, when I have been paying $100.00 a month ( recently ) only $43.00 knocked off the balance. Where does the other $57.00 go to? 29.6 % interest? As of - - they started combining the loan information onto - statement. Then I noticed that my payment statement shows the $100.00 payments but that only $55.00 has been applied each month. I do n't know where the rest of the money is going to. When you call AES you get mysterious hang ups/long wait hold times over an hour, etc. A person is given the run around. my loan balance is $5700.00 from $8100.00 in 10 years of payments! That was $7200.00 ( at least because multiple payments over the monthly payment due ) in that time period. If my calculations are correct, interest at 4 % on the principal balance to start would have been $320.00 a year which of course decreases with payments. Even with that, that would be $3200.00 in interest over 10 years meaning I have paid ( at least ) $3900.00 off on my loan. Yet, according to my statement I have only paid off $2300.00. Please help, I am doing all I can to be responsible but this is disheartening on top of the federal loans I have to shoulder. Thank you!