Paying Ahead, Falling Behind

Total Black: $472.38
Total Red: $269,947.64

As promised in And Again . . . , I called American Education Services, the student loan lender that I had set-up with automatic bill pay.  And now I remember why I stalled for so long.  Businesses don’t make it easy for you to untangle yourself from the electronic webs they weave. 

And Again . . .

Total Black: $566.79
Total Red: $269,947.64

Well, looks like I did it again—once more.  That same student loan I forgot so many times before, including back in Head Meet Wall, came back today.  Of course.  Because I’ve stubbornly refused to take it off automatic withdrawal.  So my eighty-eight dollar payment will now cost me thirty-five dollars more because of an insufficient funds fee.  Why is this simple lesson so hard for me to learn?