Pretty much the same issue, but I don't think the interest should be deducted. Pay the [principal - interest] first for everyone, and then re-pay the interest. Beggars can't be choosers, I know, however I would trust the statement more if it's worded like that, since that's the proper thing to do. Their names will be cleared far before they have finished the payments and they would be able to do business in these forums to make the money back.