As the poster above said, the dues payment is not included with the loan payment. My first loan payment would have been due June 1 had I not paid it in full before then. My first dues payment did not come out of my account until July 1st. I received a letter probably a month in advance telling me what my prorated amount each month for 2004 would be. It also stated that a prenote would be sent to my account and when I could expect to see my first payment taken out.
Awhile later I received the same letter about my add-on (which I did in late April/early May). But now that I think about it, I don't think that amount has been taken from my account yet. I need to check on it.