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They have been charging his account a $40/month processing fee for the past 3 years, and none of that is going toward student loans.
Bear in mind, however, that refinancing a mortgage comes with fees and closing costs that can come to thousands of dollars, so unless you are refinancing to a mortgage offered at an interest rate that is at least one full percent lower than the one you have, it may not be a financially sound decision to do so.
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The Federal Bankruptcy Code, the UCC, and some other State laws apply different standards to purchase money security interests.
Currently lenders are able to charge very high interest rates to Albertans who are the least able to afford it," src
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The APR refers to the amount paid on the loan taken for a period of 1 year.
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