Unfortunately, the law as written states that the lender can adhere to the original amortization schedule REGARDLESS OF THE ACTUAL LOAN BALANCE. I personally think that is unfair to borrowers, it is not disclosed and the CFPB missed a real opportunity to fix this when its founders created it. I have approached some lawmakers about fixing this (would take a change to a single sentence in the law) but that was only yesterday so I am still working on it. Trust me, I and others here at TMR believe that this is vastly unfair and we believe that it should be changed, I want to write about it, including actual experiences from borrowers. If you would be willing to be interviewed, please contact me at firstname.lastname@example.org and we can go from there. Thanks again for reaching out.