Higher Education Student Assistance Authority (HESAA) Student Loan Complaint

Higher Education Student Assistance Authority (HESAA) Student loan department,

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

This is the second time I 'm contacting your organization with regards to my private student loans through HESAA ( New Jersey loan agency ). I 'm concerned about my amortization schedule. To my approximation, I 've made about $76000.00 in payments over the last 4.5 years towards my principal balance ( based on monthly payment schedule ), yet the balance has only decreased by about $6000.00 in the same time period. I 'm concerned they are not applying the proper amount to the principal balance and applying it primarily to the interest. With this lopsided allocation of interest over principal, I am not sure how the loan will be paid according to the terms of the agreement.