I went into the bank and talked to one of the bank officers. He (very nicely I might say) explained things the way Mr. Silver did. (Thanks)

He explained it as "a paper cut" on my credit rather than a hemorrhage. lol I guess they all know I'm a doc. It will show up as a late payment rather than a default. If I don't have any others it won't be a big problem.

Why couldn't those rude buggers at the loan department tell me that? They made it sound dire.

I don't know if it's a state rule about not being able to pay off online. Either way, that's how my bank works.