The scheduled payoff of your loan assumes all of the payments are made on time. If you pay late, more interest is due for each day you are late. When you pay late, a higher amount of interest is paid first and then whatever is left will reduce your loan balance. As a result, you have a higher loan balance left after the late payment than we scheduled. So, even if you pay your next payment on time, more of your payment will go to interest on the remaining payments, because the interest is being charged on a higher balance than we scheduled. And less goes to pay down the loan balance. Unless you pay early or pay a higher amount, it then takes longer to pay off your loan than what is shown in your contract with us.”>,<"question":"Simple>
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