Mine too. Looking to refi it, even if it means longer terms and when the money is there, paying it off early. Screw Sallie and her little Navient friends!This is why is it very important to read the terms of the loan carefully and research the lender you are requesting a loan with. I had a few options when I went to flight school, I chose loan option A, guys I went to school with that took out the same exact amount went for loan option B, different lenders similar terms. Once the loans hit repayment my option A monthly payment was HALF what the guys that went for option B. My loan was recently sold to another lender my payment and rate has increased significantly since that happened.