im not sure of this, i have been paying my loan for 2 yrs. and refianced, the new loan repayment amt is the same as 2 yrs ago. should the loan amt have been a lower? ive been paying 1550. a month for 2yrs. thanks.

it all depends on if you took out some more money and refinanced for a higher amount or if you refinanced at a higher interest rate, take a look at your documentation and compare your interest rates, sometimes quoted rates vs actual rate could be different depending on the shadiness of the company you are dealing with