How Student Loan Servicers Stack Payments Against You

Lucas and Luna expose a little-known tactic student loan servicers use to maximize interest revenue: payment stacking. When you pay extra, servicers often apply the overage to future monthly bills instead of the principal balance — costing you thousands over the life of the loan. Lucas explains how the Department of Education's own rules allow this, shares a real-world case of a borrower who paid $4,700 in unnecessary interest, and walks through the simple steps to override the default. Luna asks the practical questions: how to check if it's happening to you, and what to say to your servicer. By the end, you'll know exactly how to earmark extra payments as 'principal-only' and save years of repayment. #StudentLoans #DebtPayoff #LoanServicing #PrincipalOnly #PaymentStacking #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna #DebtStrategy #InterestSavings #Navient #Nelnet #MOHELA #AidVantage #DoEd #BorrowerDefense #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo