horrible credit personal loan

For a borrower looking to end an auto loan early, there isn't a worse way a lender could calculate your payoff amount. Using the "Rule of 78s" method, your lender applies more of your previous payments toward interest and less of your previous payments toward principal.
They sent a print out of their computer screen. It was a phonne bill, long distance, from a carrier I never heard of.
Seems like this would raise a red flag somewhere and I don't want her to end up in more trouble than she's alreay in.
(Horrible credit personal loan) Equifax showed 651. It was around 595 around 6/1/03