How to pay off a loan early...

[Bill]

When you pay off a loan early, they want to drag the process out as
long as possible so they can continue to charge you interest.

So if you owe say $10,000.00 and want to pay that off early, send in a
payment for $9,950.00 to principal. Then this immediately stops
interest charges on most of the loan. THEN request a payoff statement
(which they will take their time sending you) and it will not matter
if it takes 2 weeks or whatever as they will only have $50 to continue
to charge interest on.