hey guys, I was just going over the details of the financial statement I received a couple weeks ago. I realized that the amounts of the loans listed are less than the amounts that are actually disbursed. I am using T.H.E. and Access Group for my loans, and Columbia claimed that neither of these had origination fees, yet here it seems like i am losing 3% to T.H.E. and 7% to Access. Any idea what this is all about? Anyone else having the same problem? Grrr. I hate loans.