Their autopay takes any additional payments past the minimum amount and instead of paying towards the principal, applies the payment towards future months' payments, therefore extending out your next payment due date. This only happens until you reach 24 months in advance, at which point they stop applying auto payments towards the loan altogether. If you want to keep paying down the loan, you have to process payments manually. There is no notification on their part that they are no longer applying autopayments towards that loan group. They make it as difficult as possible for you to pay off a loan ahead of time so that they can collect as much interest as possible. Its all a system to keep you accruing interest as long as they can. Not sure how people that work there can sleep at night, its terrible.