why we get so frustrated when talking with the student loan people:
Rob (on the phone with student loan customer service): Yes, I'd like the 10-day payoff amount for loan XYZ, please.
CS: Why? Why do you want to pay off your loan?
Rob: Ummm . . . are you kidding me?
Rob: How about because we don't want to be charged any more for money I borrowed in 1992!
CS: (sigh) OK . . . your payoff amount is blahblahblahtoomuch and 37 cents . . . if you're sure . . .
Rob: Thanks. Bye.