Sorry that you're having so much trouble with Morgan Stanley, Revu2.

I might've mentioned that I needed to set up automatic withdrawals from my Roth IRA in order to pay the student loan. That's happening now, thanks to one very helpful customer service person at Capital Group. In addition to the form(s) I needed to set up the withdrawal, she also informed me that my state will impose income tax withholding, so she advised me to send a special exemption form as well.