Thanks guys. I think first I willl deal with the lender and see if they can be reasonable. I actually did not understand my bill the last time and just stuck with what I paid before. Yes, I am graduating from law school and I often do not understand my own bills. Sue me.

If that fails I'll amplify my position and/or seek assistance elsewhere, contest it, and see what happens. I don't want to adopt a "go to war" posture, but this really sucks.

I should have considered an emergency loan, but when your 2 weeks away from graduating, they don't like to do it. It can also screw with getting the degree if it isn't paid off.

Also, my mortgage company was just bought by another mortgage company. I had made partial payments before with no problem. The new company seems less keen.

By the way, why is it that insurance companies and mortgage companies both seem so, or are so, fly by night, storefront, taken over by somebody else, always changing names and so on, except for the huge ones?