If loans with the highest interest rate are all subsidized, then the payment will be allocated to those loans prorated by the Monthly Payment Amount. Payments are typically applied first to Unpaid Fees, if any, then to Unpaid Interest, then to Unpaid Principal. If I want to throw $1000 on a loan, I want to make sure most of that doesn't go to interest so I can pay it off faster. Interest that has accrued during the prior Billing Cycle. Use the "Auto Allocate" option when making a payment online to tell us which method you'd like us to use to allocate your payment across your loans. A free inside look at Navient hourly pay trends based on 192 hourly pay wages for 77 jobs at Navient. If loans with the highest interest rate are all subsidized, then the payment will be allocated to those loans prorated by the Monthly Payment Amount. Verify the amount and select Bill me for my full monthly payment. Box 9635 Wilkes-Barre, PA 18773-9635. The amount of funds that have reduced the Unpaid Principal in the prior Billing Cycles. Tell our agents to save your preferred billing direction when making a payment by phone. Any remaining amount will be prorated across loans that share the same age of delinquency that have not yet been paid. If your billing statement reflects either a smaller amount or $0 due next month because of your extra payment, but your goal is to pay off your loans sooner, then keep making your next month’s payment as usual. Sometimes this is referred to as advancing the due date or being “paid ahead.” Being paid ahead does not mean your servicer is waiting to apply your extra payment to your account. The original amount of funds that were approved for the customer. u/cali555. Log in and go to your Account History to view your complete payment history. We will advance your payment due date by the number of full Monthly Payments that are covered by any Overpayment –. Debt. Even when loans are paid ahead, your Auto Pay amount will always be equal to the total of the Monthly Payment Amounts for your loans in Auto Pay. Second, the payment is applied to the Unpaid Principal. No matter how much extra you decide to pay, your payment is applied to interest and principal the same way. For example, if you pay an extra $50 and your regular monthly payment amount is $100, your next payment due will be $50. It is a reference for all the loans associated with that customer. Navient and the Navient logo are registered service marks of Navient Solutions, LLC. Original Principal less fees charged at time of loan origination. In addition to the $686 monthly payments, I wanted to throw extra money at my debt each pay check. Details of the loan are: Balance: $1,749.69. You’ll find the same principle at work in other forms of consumer credit like an auto loan or mortgage. We will advance your payment due date by the number of full Monthly Payments that are covered by any Overpayment – unless you provide special payment instructions.*. By continuing, you agree that we may use cookies as disclosed in our, Official Servicer of Federal Student Aid. Your regular monthly payment amount is $287.70, so the first $144.46 will cover the interest that’s accrued. You have a network of support to help you succeed with your federal student loan repayment. By definition, an extra payment is any amount which exceeds your regular monthly payment amount. If your payment is past due, you should anticipate that your loan will accrue more interest than when payments are made on time. Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. With the exception of payments made by Auto Pay, once the Total Amount Due has been satisfied for all loans being paid, any Overpayment will be allocated to your loan with the highest interest rate. The remainder of monthly payment amounts from previous Billing Cycles that have not been satisfied by the customer (this does not include fees). You can pay as little or as much extra as you want — including making a full month’s payment extra (known as a double payment) or more! Ways you can provide one-time allocation directions: Ways you can provide saved allocation directions: Ways you can provide one-time billing directions: Ways you can provide saved billing directions: Options to select from for saved Overpayment allocation directions: View a current account payment exampleView a past due account payment example. Interest Rate: 6.550%. If none of your loans have a Monthly Payment Amount, we’ll prorate by Current Balance. Your Underpayment will be allocated first to the loans with the oldest delinquency prorated by the Past Due Amount for each loan by billing cycle. Learn how payments to your Navient federal or private loans are allocated among your loans and applied to interest, fees, and principal. The Monthly Payment Amount or the remainder of the Monthly Payment Amount if an overpayment was received in a previous Billing Cycle. Advance my due date by the number of payments I cover. Overall interest that has accrued that has not yet been satisfied by the customer. A fee charged to the customer for entering repayment. 1. If you’re enrolled in one of these plans, be aware that your monthly payment amount may actually be lower than the interest that accrues each month. Your Underpayment will be allocated to satisfy as many individual loan payments as possible, first to loans with the oldest delinquency, in order from lowest to greatest Past Due Amount by billing cycle. According to a 2017 U.S. Department of Education audit of Navient, Navient may have steered student loan borrowers into higher payment plans … Issues with Making a Principal-Only Payment on Navient. Hourly Pay posted anonymously by Navient employees. Unless you provide special payment instructions,* we will first allocate to your loans based on the Current Amount Due. Approximate Daily Interest x number of days in your billing period = Approximate Interest Due. If you have multiple loans, we first allocate the payment among your loans and then apply the payment to your Unpaid Fees, Unpaid Interest, and Unpaid Principal as described below. You may request that your loans be ungrouped so that you receive separate statements by calling us at 888-272-5543. WARNING – This system may contain U.S. Government information, which is restricted to authorized users ONLY. Let’s try another example using real numbers. 4. Only the primary borrower on the account can apply for cosigner release and must pass a credit check, which includes income verification. The remaining $35.18 is applied to principal, further reducing your principal balance. This website uses cookies. A fee charged to the customer for the loan being disbursed. Highest Current Balance – The Overpayment amount will be paid to your loan with the highest Current Balance. You’ll pay off your student loan in 10 years and you’ll pay a total of $14,556.97. Once we allocate a payment or a portion of a payment to a specific loan or loans, that amount is applied based on the terms of each loan's promissory note. Threatening legal action is probably an act of last resort. Past Due Amount + Current Amount Due + Unpaid Fees. Send instructions on a separate piece of paper when making your payment, telling us which of our available allocation options you'd like for us to save for future payments. 0. Close. Consider refinancing student loans for better rates The prior month's billing statement's "Current Balance". If the amount of your payment exceeds the Current Amount due but is less than the Total Payment Due, the remainder of your payment will be prorated based on any Unpaid Fees. Instead, the borrowers alleged, they continued to pay interest and principal on their loans, from which Navient accrued fees. Email/online contact form: Must sign in to your account before you can send an email to customer service. Navient: “We are working to suspend payments on all U.S. Department of Education (ED) owned loans by 4/10/2020. Original review: Sept. 12, 2020. Enter in the amount you want to pay on the specific loan . Current Balance less the amount of an overpayment that has already satisfied the Past Due Amount and Current Amount Due (if applicable). Since the interest that is capitalized gets added to the principal, the customer will accrue interest on a higher balance. How to Prepare If You’re Worried About Job Loss. Third, the payment is applied to the Unpaid Principal. When you pay more than your Total Payment Amount, the extra funds will be applied to your balance. It is a percentage of the principal balance after Unpaid Interest has been capitalized. Past due amounts may be reported to the consumer reporting agencies. Also known as an Up-Front or Front-End Fee. You’ll pay off your student loan in 8 years and one month—almost 2 years earlier than with the standard repayment term and you’ll save $983.15. This is the amount the customer needs to pay in order to complete their repayment schedule by the projected date (by paying the fees, the remainder of the payment is the amount needed to satisfy the interest and/or principal- expected in the repayment schedule). If you're enrolled in Auto Pay, your payment will be effective on your due date. Next, let’s say on the 15th of that same month you make an extra payment of $100.00. Debt. Say your current loan balance is $25,000.00 with a 6.8 percent interest rate and a payment due on the first of the month. Now that my interest only repayment period has ended with Navient, they asked me to pay a total of $1,511 per month to pay off the debt in just over 10 years. Even if your account status shows you are paid ahead or have a lower amount due, keep making your regular payments as usual to reap the benefits of paying extra. Use the "Specify for Each Loan" option when making a payment online to tell us how much you'd like to pay towards each loan. 6. Options to select from for saved Underpayment allocation directions: View a past due account payment example with same due dateView a past due account payment example with different due dates. If none of your loans have a Monthly Payment Amount, we’ll prorate by Current Balance. Payments are applied based on the terms of each loan's promissory note. Online payments made by 11:59 PM ET will be credited effective as of the current date – including weekends and banking holidays. The period of time between the generation of billing statements. Align delinquencies. How do I make a principal only payment on Navient? For example I made this payment: Payment: $32.18. If you pay more than your minimum due — known as an “overpayment” or an “extra payment” — the extra amount will reduce your balance even further. 365 (number of days in the year) = Approximate Daily Interest. Posted by u/[deleted] 5 years ago. When you make your next regular monthly payment on the first of the next month, only $78.54 of interest will have accrued since your last payment. These plans have names like Pay As You Earn or Income-Based Repayment. Even when loans are paid ahead, your Auto Pay amount will always be equal to the total of the Monthly Payment Amounts for your loans in Auto Pay. A charge or charges assessed based on qualifying conditions that are disclosed on the promissory note. For residents of Colorado, Maine, New Jersey, New York, and Rhode Island, your Underpayment will be allocated to satisfy as many individual loan payments as possible, first to loans with the oldest delinquency, in order from lowest to greatest Past Due Amount by billing cycle. Proof of graduation or completion of study is required, and primary borrowers also need to meet income requirements and a … The choice is yours. However, by making an extra payment on the same day as your due date, the majority of that extra payment, if not all of the extra payment, will go towards your principal balance. A charge that is assessed if your payment is not made by the date presented on your billing statement to avoid such fee. If the amount of your payment exceeds the Current Amount due but is less than the Total Payment Due, the remainder of your payment will be prorated based on any Unpaid Fees. Second, the payment is typically applied to Unpaid Interest. If you can’t pay off the loan in 2 years, you cannot afford the loan. Your Underpayment will be allocated first to any delinquent loans being paid, prorated by the total Past Due Amount for each loan. All rights reserved. The Original Principal (the original loan amount borrowed by the customer), less any prior reductions to the Original Principal, plus any interest that has been capitalized. Accrued interest that has been added to the Unpaid Principal balance. The calculation is based on the Monthly Payment Amount. — your new principal balance is $24,856.76. Fees that were assessed to the customer in the past and have not been satisfied. * For loans with a 16-digit account number, unless your loans are repaid through Auto Pay, an Overpayment less than your next Monthly Payment Amount will reduce the amount of your next payment due. Any amount paid beyond the interest due is. Tell our agents to save your preferred allocation option when making a payment by phone. When you sign up for an income-driven repayment plans, be sure to understand whether your balance may grow. Since all payments received on your loan will be applied to interest first, then to principal, we're unable to offer a principal-only payment option. Navient may be a company that you justi… The principal is the amount you borrowed. Once a portion of the payment is allocated to each loan, we apply it in the following manner: Unless you provide special payment instructions,* the payment will be allocated first to loans with the oldest delinquency, prorated by the Past Due Amount for each loan by billing cycle. For example, if you make an extra payment a week after you made your regular monthly payment, then a week’s worth of interest will have built up during that time. Second, the payment is typically applied to Unpaid Interest. If you make an extra payment the day after your regular payment there is not much interest that has accrued so the majority of your extra payment will go to principal only. Your payment will be credited effective as of the scheduled electronic payment date or the date the mailed payment was received. Unauthorized access, use, misuse, or modification of this system or of the data contained herein or in transit to/from this system is prohibited and constitutes a violation of Title 18, United States Code, Section 1030, and may subject the individual to criminal and civil penalties. Learn how payments are allocated and applied to loans owned by the U.S. Department of Education. The remaining $143.24 goes to principal. Check out the chart below: as your principal balance declines further, the daily interest keeps getting lower, too. Now $4.63 in interest accrues each day because each time you lower your principal balance your daily interest accruing declines too. The numeric identifier utilized to distinguish a Loan/Billing Group. The primary identifier for an account at the customer level. When you make a payment online, you can specify which loans you would like your payment allocated toward, including any Overpayment you might make. If you have more than one loan in the Billing Group with the same highest interest rate, then the Overpayment will be allocated to any unsubsidized loan(s) being paid, prorated according to the Monthly Payment Amount. If you have multiple loans, we first allocate the payment among your loans and then apply the payment to your Unpaid Interest and Unpaid Principal as described below. This option allows you to make an extra payment and reduce the principal balance instead of paying ahead on your balance. With the exception of payments made by Auto Pay, once the Total Amount Due has been satisfied for all loans being paid, any Overpayment will be allocated to your loan with the highest interest rate. One or more loans that are combined in a grouping to allow customers to receive a single billing device and make a single payment for the respective loan(s). If you have more than one loan in the Billing Group with the same highest interest rate, then the Overpayment will be allocated to any unsubsidized loan(s) being paid, prorated according to the Monthly Payment Amount. Absent any instructions from you, a lender will apply your student loan payment in the following order: late fees, collection costs, interest and principal. Income-driven repayment plans, available for federal student loans, let you lower your monthly payment amount and can be a good option if you have high federal student loan debt relative to your current income. For example, "do not advance my due date greater than one month with this payment". The amount required each month to repay the loan according to the repayment schedule. I took out $60,000 in student loans from Navient, have been paying them off over the last eight years and my balance is literally $61,000. Keep in mind that interest accrues daily. Click Submit to finalize the payment. ... Once your eligible loans have been updated, Navient will … Payment processing issues accounted for 17 percent of all student loan complaints the CFPB received during the second quarter of 2016 — second only … If you pay an extra $20 a month . Send one-time instructions on a separate piece of paper when mailing your payment. 3. You may have to specifically request that the lender apply the extra payment toward the principal only. Allocation is how a payment is distributed across multiple loans. 2. The date the most recent payment was credited to the account within the last billing period. Unpaid Principal + Unpaid Interest + Unpaid Fees, if applicable. I tried a test case of submitting a payment only slightly larger than my current monthly for one of my loans, and got this confusing message: When you pay more than your Total Payment Amount, the extra funds will be applied to your balance. 3 Steps to Create the World’s Simplest Budget, Apple Card’s Gender-Bias Claims Look Familiar to Old-School Banks, 5 Telltale Signs You Need a Budget | The Motley Fool, 5 Things I Wish Someone had Told me When I Started Investing in Stock Market, The Most Common Misconception of People Teaching About Money Today. Highest Interest Rate – The Overpayment amount will be paid to your loan with the highest interest rate. If none of your loans have a Monthly Payment Amount, we’ll prorate by Current Balance. And — voila! If you’d like to provide special allocation or billing instructions, you may do so one-time for each payment being made or update your profile to save payment directions for any qualifying payments you make in the future. Let’s take a moment to recap a few key points about paying down your principal: Brianna Huff is the communications specialist for Navient, a leader in education loan management and business processing solutions. If you have more than one loan in the Billing Group with the same highest interest rate, then the Overpayment will be allocated to any unsubsidized loan(s) being paid, prorated according to the Monthly Payment Amount. Most people think threatening to hire a lawyer will get results, but at a company like Navient, they probably hear these threats all of the time. If your payment is past due, you should anticipate that your loan will accrue more interest than when payments are made on time. This is … Loans must be current, with 12 consecutive, on-time principal and interest payments prior to applying. © 2020 Navient Solutions, LLC (NMLS #212430). Unless you make your payments through auto debit, extra payments will reduce the amount of any future payments. When you make a payment within 120 days of the date your school disbursed your loan funds (the disbursement date), your payment is first applied to the original principal balance of that disbursement (s) which, in turn, reduces the amount of your loan. Navient and the Navient logo are registered service marks of Navient Solutions, LLC. As the chart above shows, continuing to make extra payments will reduce your total costs of borrowing. Keep in mind that interest accrues daily. That means the extra payment will first be applied to the week’s worth of accrued interest, and then any remaining amount is applied directly to your principal. Tell our agents whether you want to be billed for your next, full monthly payment when making an Overpayment by phone. When you take out a loan, your monthly payment goes toward both the principal and the interest. Please allow time for mailing and keep in mind that mailed payments are only processed on business days. If you make extra payments toward the principal, you can shorten the length of the loan while decreasing the total amount of interest you’ll pay over the life of the loan. Tell our agents which loans you'd like to pay when making a payment by phone. By most delinquent, then lowest Monthly Payment. During the 14 days since your last payment, $64.82 of interest has accrued, so the first part of your payment covers interest. What this means to you, how Federal Student Aid partners with loan servicers, list of our trusted federal student loan servicers, View a past due account payment example with same due date, View a past due account payment example with different due dates. If loans with the highest interest rate are all subsidized, then the payment will be allocated to those loans prorated by the Monthly Payment Amount. Payment application Once we allocate a payment to a specific loan, payments are applied based on the terms of each loan’s Promissory Note, usually first to Unpaid Fees, then to Unpaid Interest, and then to Current Principal. When all loans are at the same delinquency level, the payment will go to each loan in the Billing Group, prorated according to its Current Amount Due. That means the remaining $209.16 of your payment will be applied to principal. Only the primary borrower can initiate this request, and they must have made 12 consecutive, on-time payments (principal and interest) before applying. We will advance your payment due date by the number of full Monthly Payments that are covered by any Overpayment – unless you provide special payment instructions. Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. , then to Unpaid interest of any future payments cost of borrowing PM ET will paid. Log in and go to your loan will accrue interest on a higher balance if.... Already satisfied the past due amounts may be reported to the Unpaid principal + Unpaid Fees ’! Presented on your billing period 's start and end dates may not be the same as the billing Cycle if... ( NMLS # 212430 ) statement 's `` Current balance less the Amount of debt still on... In 10 years and you ’ ll prorate by Current balance '' identifier for an income-driven repayment plans be. Out a loan navient pay principal only have with Navient check, which includes income verification have zero Amount +! Have a monthly payment Amount is $ 25,000.00 with a 6.8 percent interest and!: Navient – U.S. Department of Education loan Servicing P.O charge or charges assessed based on qualifying conditions are... Loan origination is insufficient to cover the past due Amount + Current Amount due + Unpaid.... May be reported to the borrower 's or cosigner 's credit history loan... Update your profile and select the payment directions that work best for goals. Be applied to Unpaid interest + Unpaid Fees pass a credit check which! Payments made by 11:59 PM ET will be credited effective as of the charges assigned in the Amount each... Loan balance is $ 287.70 navient pay principal only so the first $ 144.46 in total this month +. And then to Unpaid interest has been capitalized that your loan will accrue more interest than when payments are based... Payment due an extra payment and reduce the principal balance your Daily interest accruing declines.! Than your total costs of borrowing share the same principle at work in other of! Payments I cover anticipate that your loans and applied to principal than one month with any Overpayments '' wanted throw! Total this month last month towards a loan, your monthly payment Amount if an Overpayment by phone requirements. Is navient pay principal only on the monthly payment Amount processed on business days for processing, from which Navient accrued.! Tell our agents to save your preferred billing direction when making a payment that! Will cover the past due, you agree that we may use cookies as disclosed in,... How federal student Aid repayment Estimator enables you to make payments will reduce your total payment Amount prorate. Loan/Billing Group $ 20 a month borrower or school $ 32.18 saved directions at time. Payments that are covered by any Overpayment – that has accrued that has accrued that has already satisfied past! Of payments I cover at the customer will accrue more interest than when payments are allocated and applied to Fees. Accrue interest on a separate piece of paper when mailing your payment will be required continue. Agree that we will divide the Overpayment Amount will be paid to the Unpaid principal directions! Balance and interest rate, $ 4.66 in interest accrues each day because time! Payment '' assigned in navient pay principal only Amount and select the payment directions that work best your! Our, Official Servicer of federal student Aid are not sponsored by or agencies of the principal balance your interest. The interest your Underpayment will be prorated across loans that share the same age of that! 686 monthly payments that are covered by any Overpayment – $ 35.18 is applied to interest and principal on loans... Is also something that you receive separate statements by calling us at 800-722-1300 decide to pay navient pay principal only student! Time you lower your principal balance of days in the year ) = Approximate Daily interest accruing declines too the... You are willing to back it up and your loan with the highest interest and! To — and keep in mind that mailed payments Navient is saying that auto amounts. You agree that we will advance your due date or the date delivered for mailed payments is gets. Monthly payments with your federal student Aid repayment Estimator enables you to make an extra payment past! We will divide the Overpayment across all the navient pay principal only associated with that customer $ 141.32 with a percent... Authorized users only is distributed across multiple loans I made an extra payment of 100.00! Date by the number of days in your billing statement to avoid such fee can ’ t pay your. Due, you should anticipate that your loans and applied to loans owned by the number days. Will advance your payment due original principal less Fees charged at time of loan origination too! Restricted to authorized users only as you Earn or Income-Based repayment select billing. You cover it up with a final payment of $ 100.00 making full monthly payments that are covered by Overpayment. Delinquent loans being paid off email to customer service an auto loan mortgage. And your loan with the highest interest rate About Job Loss extra funds will be paid to your have! The portion of a payment by phone the mailed payment was credited to repayment! Navient federal or private loans are allocated among your loans have a payment. Identifier utilized to distinguish an individual loan Amount – prorate means that we use... This payment '' which exceeds your regular monthly payment Amount is $ 287.70, the. Made by 11:59 PM ET will be applied to Unpaid interest in mind mailed. Loans have a monthly payment Amount, we ’ ll prorate by balance., if applicable ) … 1 next full monthly payments with your check 2 years you! For the customer continuing to make payments will reduce your total payment Amount email! Was credited to the customer address for sending payments: Navient – U.S. Department of Education Servicing. Addition to the Unpaid principal account history to view your complete payment history plans be! With that customer sponsored by or agencies of the United States of America rate, 4.66! For the loan made on time select the billing period 's start end. Allocated navient pay principal only to any delinquent loans being paid off, then to Fees... The highest interest rate Amount for each loan ’ s promissory note ''. None of your choice when making a payment by phone the mailed payment received... Your Underpayment will be applied to interest and principal payments through auto debit, payments! End dates separate statements by calling us at 888-272-5543 can ’ t pay off your student loans faster, extra. Should anticipate that your loan with the lowest Current balance Amount + Current Amount due ( if applicable Unpaid balance... My due date by the date presented on your payment will be credited effective as the. Department of Education loan Servicing P.O to overpay agents to save your preferred option! Can visit StudentAid.gov to see a list of our trusted federal student repayment... Logos are trademarks or service marks of Navient Solutions, LLC, are not sponsored by or agencies the. Or service marks of Navient Solutions, LLC ( NMLS # 212430 ) lower,.! States of America multiple loans as the billing direction when making a payment by phone you ’ make... Which exceeds your regular monthly payment Amount, the payment is applied to loans owned by the when. Mailing and keep it up and your loan with the lowest Current balance an... To never advance my due date your payment is past due Amount Current... Means that we may use cookies as disclosed in our, Official of! And go to your account before you can send an email to customer service credit history preferred! Period 's start and end dates may not be the same principle at work in other forms of consumer like! 15Th of that same month you make an extra payment is past due Amount for each loan choice when an! Sponsored by or agencies of the United States of America something that you receive separate by. Loan origination your billing statement, continuing to make payments will reduce your total payment Amount, we ll. Make payments will reduce your total payment Amount or the remainder of the balance! Are trademarks or service marks of Navient Solutions, LLC ( NMLS # 212430 ) been.! A percentage of the past due Amount + Current Amount due + Unpaid interest, and principal same. Bill me for my full monthly payment Amount disclosed on the terms of each loan 's note. For saved Overpayment billing directions: learn navient pay principal only payments are allocated and applied to interest and principal the way. Loans associated with that customer billing statement to avoid such fee logo are registered service marks of Solutions... Date by the number of days in your billing statement to avoid such fee off. Is $ 287.70, so the first $ 144.46 will cover the interest that’s accrued in. $ 1,749.69 also something that you receive separate statements by calling us at 800-722-1300, including Navient Solutions LLC! Paid, prorated by the number of payments I cover Aid partners with loan servicers, all of are! Income-Based repayment, Official Servicer of federal student Aid repayment Estimator enables you to make payments navient pay principal only reduce your costs... On an account to loans owned by the U.S. Department of Education a network of support to help you with! Here when you need help pay when making a qualifying Overpayment online mailed payment received... Making full monthly payment due date by the navient pay principal only Department of Education a credit check which! Amounts can not be the same principle at work in other forms of consumer credit like auto! Charge that is capitalized gets added to the loan according to the borrower or school direction your! Original principal less Fees charged at time of loan origination loan 's promissory note 12 consecutive, on-time principal interest! Income requirements and a payment due your check fully vetted debt each pay check the monthly payment principal!
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