Why in the world do you not give people the option...

Why in the world do you not give people the option to sign up for auto pay online. Fax or send a letter, just in man hours alone in a month required to process paper applications could pay a web developer for a year. On a side note my loans were sold to you and who gave you permission to change my loan terms???? Why did my minimum monthly payment that i had been paying for 12 years go down by 40%, is it so you can draw the loan term out another 10 years and make more money off me?