All of you act like you can't read. Read your contract, it says it all right there. How you 'thought' you were paying it down.. Um no. Its not a bank loan, a moron knows high interest places do not EVER include principal and interest in your 'payment'! If you could go to a bank to get a loan you'd go, but your credit sucks so you can't. Its not a bank. Its completely different. If they 'lied' to you and told you your payment was principal and interest the whole company would get shut down. Don't mistake your selective hearing for them lying.
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