I cannot remember my account email/password and I am unable to utilize the password reset feature.

Please contact me directly by phone or email me at the email address indicated on the Privacy Page. I will then contact you via phone to reset your account.

How should extra principal payments be made?

Please add any additional principal payments that you wish to make to your standard payment and only make payments once per month. I use sophisticated formulas that treat each payment as a monthly iteration to correctly determine your remaining balance. Principal payments are tracked on the amortization schedule to ensure that your balance is reflected appropriately.

When downloading the amortization schedule, it is indicating that the file is formatted for a newer version of excel.

You may be using a device with an older version of Microsoft Office installed. The simplest solution would be to install the same version of Microsoft Office onto that device that you had when you first obtained the loan. Some older versions of the amortization do not allow the "Scheduled Payment" to be updated, which impacts my ability to set a desirable payment that is rounded to the dollar. Earlier versions of the amortization schedule may not be appropriately calculating the "Scheduled Payment" and therefore would not be an appropriate tool for balance comparisons.

The amortization that I am using to track payments does not match the amortization totals on my account.

All figures on the website are calculated in the same way as on an updated version of the loan amortization schedule. If inputting figures into a new amortization in excel for comparison purposes, please ensure that the "Scheduled Payment" does not have calculated figures beyond the hundredth decimal place in order to balance to what is on the website. I have confirmed that some older amortization schedules carry the decimal for the "Total Payment" past the hundreth decimal place, though this is hidden within the amortization, and this inappropriately impacts the calculated principal balance.

I have been tracking principal payments against the loan payoff balance but it is getting off by cents.

The loan payoff is not meant to be used as a running total because it presents a total that is ultimately rounded to the hundredth decimal place. If that particular total is not paid off, then the actual numbers applied to principal and interest revert to an unrounded figure. You may increase the decimal count on the amortization to see actual figures applied to interest and principal. Also, to double check the payoff calculation, you may manually calculate the interest accrued on any given balance by taking the balance remaining and multiplying it by the interest rate (in decimal form) and then dividing that number by twelve. Add this number to your loan balance remaining and that will give you the loan payoff amount.

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