Woohoo!

My student loan servicer added a new section to their website called Borrower Benefits. I recently remembered that I had an option when I consolidated. I could choose a lower interest rate after a number of on-time payments or I could have a principal reduction. I chose the reduced rate. I thought it kicked in after 2 years but I couldn't find anything in my file to suggest this was anything more than a figment of my imagination :) Ta-da! The new section has details. I'm about 8 months away from my reduced rate. I assume my payment stays the same so I just make faster progress. Way cool.. 3.75% :D