Hi I'd like to ask if anyone can share their actual experience with paying off University Tuition Fee Loan with lump sum/big chunk of the principal amount before the interest rate kicks in?

For example:

• did you have to contact the bank when paying off the loan in one shot? I believe that the bank's website states that if you wish to do it this way, you have to contact a bank representative.
• How/what was the process like?
• Are there any additional fees as a lump sum settlement will mean that the bank loses out on recurring interest payments.

Thanks!