[codeodor]

> And unfortunately I can't leave them because it is a loan and not just a checking account.

You may be able to refinance the loan through another bank, which would pay off this one and let you go with someone more reasonable.

[X-Istence]

If I could get the same interest rate or lower I would do it, but as of right now I would get lucky if I could find one that gave me 3x the interest let alone higher...