I Tried to Log a Repayment and Got an Error

A per-loan repayment cannot apply more principal than the loan's current tracked balance.

Two Balance Errors

• Older snapshot-reconciliation marker — the message says the loan was last set by an older snapshot reconciliation and the repayment is larger than the current tracked balance.
• Generic balance limit — the message says the payment exceeds the remaining loan balance.

The first state can remain on loans that were adjusted by a previous snapshot flow. Current production snapshot saves do not create a new proportional adjustment or silently rewrite an existing tracked loan.

Review the Record

1. Open the loan detail page and review Current Balance.
2. Review the repayment amount and payment type. Interest-only amounts do not reduce principal; principal and mixed payments do.
3. Log no more principal than the current tracked balance.
4. If the tracked balance itself is incorrect, edit Current Balance on the loan detail page before recording the repayment. Editing a snapshot changes the carrier history, not that tracked balance.

If a newly saved snapshot is still showing a detected-repayment follow-up, accepting Log repayment records the event and applies it once. Policy Stack checks for an already-recorded snapshot balance event and never reduces the balance twice.

Generic Error Checks

For "Payment exceeds remaining loan balance," also verify that:

• The amount has no extra digit or decimal-place error
• The selected loan is the intended record
• The loan has not already reached a zero tracked balance

The policy-level Log repayment Quick Action remains available when one carrier payment needs to be distributed across multiple active loans. See Logging a Loan Repayment.

Disclaimer: Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions.