I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2 
