[arkem]

He wasn't paying down any of the principal, presumably because the loan forgiveness program would take care of it.

> Because of his 8.25 percent interest rate, which he could not refinance due to loan rules, even those higher payments weren’t putting a dent in his principal. So the $70,000 or so that he did pay over the period amounted to nothing, and he’ll most likely pay at least that much going forward.