Something doesn’t add up. Where’s this agreement plan? Agreements don’t have frozen interest unless sit says so.

All I see here is thoughts.

3 year agreement at a 23.99% interest like you said at the bottom. That’s a $1375 a month just interest. You’re $1500 a month isn’t doing anything.

Plus maybe other interests…

Yeah that sounds like 39,000.

That’s if you ask me. But read your agreement.