If you make a partial payment, the funds do not go toward reducing your principal balance. Instead, they are applied to overdue interest and late fees. This resets the "performing" status of your loan, restarting the accrual of daily interest and extending the debt cycle. To predatory lenders, partial payments signal that you are a reliable source of continuous fee generation. We advise you to cease all payments immediately rather than engaging in a cycle of debt that grows faster than you can pay it down. If you must pay, call them and negotiate with them. Wait until after several months before you pay