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I guess it comes down to how your bank handles it. I do have to mess with the online payment each month, but the way ours is set up, I just go to the site and enter an amount in "payment" and an amount in "extra principal" (and nothing in the other boxes like "extra escrow," etc.) and click okay. But I'm also paranoid about automatic payments, I like to sign off on everything that comes out of the bank account.
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