You do not currently have any active or fully disbursed loans on our system.

Hahaha!  That's what it said when I logged into my Citibank student loan account.
That is because I DID IT.  I ended things with Vikram P.  It's OVER.  I will never take money from Citibank again.  Do you hear???  And neither should you.  They are BP of the financial world (or is that Goldman?).  Whatevs.