I got mine from BankofAmerica also. 21 months zero interest So I’m paying off a loan I had for a few years. So I doubled down on my repayment. Paying 800 a month it will be payed Off in 15 months or less on $11,700 Loan. Makes Sense no interest. Do it on line get 21 months if you go in the back you can only get 16 months. Payed off 3 Wells Fargo Loans @ 20 percent plus interest. If you want to pay a school loan off I suggest you see Joe BIdens School forgiveness grant payed for by taxpayers.