You need to file your complaints with the AG. They need them, the more they get the better. And trust me these companies do NOT like having complaints lodged against them with an AGs office. I had loans with both companies, I way overpaid the prinicpal and legal interest fees and I filed my complaints, my AGs website says the same thing. And they notified each pdl and they settled me as paid in full. I had the same fears you did in the beginning but things worked out.