A buddy of mine went through the same thing with his dad's loan last year. He wrote a letter citing the exact page of the contract, sent it certified, and the servicer refunded about $1,900 in bogus fees within a month. The trick is getting it in writing and keeping a paper trail so they can't just brush you off on the phone.

Still learning at job 200. Never feels natural, just less scary.

Back in college my place had this awful single pane window right next to the street and I hung a thick moving blanket over it with command hooks. Cost me like 12 bucks and it blocked way more traffic noise than the fancy curtains my roommate bought. The wedge thing makes total sense too, since most of that sound is sneaking through the gap under the door. Might grab one of those 4 packs and hit every door in my apartment.