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In uPortal360, select Transactions in the menu (sign in first if you are not already in). Every payment, credit and adjustment on your account is listed, newest first. The View Transactions page listing transactions with Id, Status, dates received and processed, type, payment amount, principal paid and interest paid

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What each column tells you

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The three statuses

A declined payment sitting in your history is a record that an attempt was made, not a payment you have made. If it is still showing as your most recent activity, the payment did not happen.

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Why your balance moves less than you paid

Compare Principal Pd against Payment Amount on any row. The difference went to interest. Early in a contract, more of each payment is interest and less is principal. As the balance falls, that shifts, and more of each payment reaches principal. Nothing is wrong — it is how the allocation order works.

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Interest you paid, and tax forms

You can find the interest you have paid in three places:
  • Your monthly statement. It shows interest paid year to date.
  • Your transaction history. Download the transaction report and add up the interest you paid.
  • Account Summary. It shows the total interest you have paid.
UAS issues a tax form for some account types. To ask whether one applies to your account, call (888) 233-2302, or in uPortal360 select Help, then Start Inquiry (sign in first if you are not already in). We cannot give tax advice. Your own tax advisor can tell you whether the interest on your account is deductible.

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If a payment is missing

Payments can take up to 24 hours to appear. If it has been longer:
  • Check whether it shows as Declined rather than missing
  • Check your bank or card statement to see whether it left your account
  • If it left your account and is not here, contact us with the date and amount
If a payment was credited on a later date than you paid, we can look at re-applying it as of the day you paid — see When your payment posts.