So long as you pay the payoff within the time frame of the payoff you should not owe additional money. Pay it off earlier in the time frame rather than later.To explore your options, contact your loan servicer directly. If you don't know who your private student loan servicer is, look at a recent billing statement. Fill Out Application. You must fill out the Application for Vehicle Transaction(s) (VSD 190). Fill Out Application. You must fill out the Application for Vehicle Transaction(s) (VSD 190). Mortgage Payoff Statement Request Form. Be sure to have the loan and borrower information ready when you make your request.