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1.02 My statement says my account is short yet my payment is decreasing, why?

A decrease to a payment can be caused by a couple of different reasons and/or a combination of reasons.  One reason could be that your projected disbursements are less this year.  Another reason could be that the repayment of this year's shortage is less than last year's shortage.​

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1.02 My statement says my account is short yet my payment is decreasing, why?