A borrower may be able to make a partial payment on their loan each month that is lower than the minimum payment. (lendkey.com)
You can actually avoid this by making a partial payment before the end of the billing cycle so that your utilization is never reported as near 100 %. (money.stackexchange.com)
We were told that when the loan comes due, if a full repayment can not be made, a client has the option of making a partial payment with interest. (policymattersohio.org)