Needing a little help here please...I have this loan that I haven't paid them anything on. The initial amount of the loan was for $175.00, with finance charges $228.50. I need to know how much to pay them $175 or $228.50, b/c I live in NC and they are illegal here. I am pretty sure that I only need to pay them $175.00, correct me if I am wrong. I need a letter so I can get arrangements on paying this back, but I am afraid that if I email them saying that I am only going to pay back the principal that they will not give me arrangements.