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mlgoode -

First - welcome. You've come to a great place for some sound advice. Just remember the final decision has to be yours.

I'm scared they're going to try to add 18% to the principal if I give them a lump sum, so...

It sounds like you need something in writing. Does the company have a website? Perhaps they have some legal stuff on there.

Another option could be to call them up and without telling them who you are, ask for their policies on lump sum payments.

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