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Part of my dilemma is that what is paid off I use and actually do enjoy. But so stupid I upgraded and now need/must get out of the 2 loans. I want to keep what is paid off. I know that sounds a bit crazy too but I am ok with use of what is paid off. So if I walk away from the loans they said that my account will be locked up and I cant use what is paid off and I cant use what I have fully paid the maintenance fees for. To me that is completely wrong. I have read through the forums and don't see anything specific about exit companies other than beware. Just don't know what to do