So the financial gurus

who have my student loans have made it impossible for me to pay on the principal. I refinanced with these morons back in March and I have so far paid $873.97 towards the principal and $752.70 in interest. Then each time I try to make an overpayment they count that towards my next scheduled payment, thus buggering up my financial software on my computer. I have called them three times about it and the Jamaicans that answer the phone tell me something different every time. So I bought a telephone voice recorder and I am going to tell them I am recording them to make it legal and catch them telling me something different every time. Then I have no idea what I will do. Anyone want to lend me $18, 403.36 for 7% APR or less? I am contemplating rolling it over on 0% APR credit cards but it worries me a little. You would think that these people want me to never pay off my loan and just pay them interest. I hate evil capitalists.