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Hello all - our company has changed HR benefits providers. Previously we had Slavic401k, and we moved to ADP (for that and all other benefits). A year before the switch I took out a 401k loan for the purchase of my home, which comes with a 15 year repayment duration. When I took out the loan via Slavic, there was an ability to make one principal reduction payment a year on top of your normal payroll withdrawals. ADP is stating that there is no ability to make a principle reduction outside of payroll, you can only do a complete payoff. I borrowed 50k to get us over the gap between closing our two houses, and paid off some credit card debt with it as well. So I'm about 10k shy of having hte full amount to pay back, while I have 40k sitting in savings. I had planned on being able to pay back the bulk of that, leaving just a few years of loan left. Now that isn't an option. This is complicated by the fact that I have kids going to college in just a year or two, and since that money is really 401k funds, I really don't want it being considered money I could be putting towards college in the student aid apps (considering if I did apply the funds it would be at a huge tx penalty!). So - now I'm in a race against student loan apps, in a situation I did not foresee. Is it legal for your employer to change companies in such a way that your loan repayment terms have changed? Or should all preexisting loans have to have the same terms (i.e. can I force ADP to let me make a payment?). Thanks very much for any advice! I can find a lot on what happens if you lose your job, or change employers, or fail to pay it back, etc - but not about when your company changes the loan company and that changes your terms mid-loan.