I believe I have a predatory loan, I have paid over 150,000 in the past 15 years. The total loan was 46,000.

It sounds like you've not complied with the repayment terms if there have been penalties (and probably interest) applied to your account.  That can certainly add up and result in more payments than what would have been expected if you paid according to the contract.  You should consider having an attorney review your loan agreement, payment history and give you an opinion if there are errors in the amount the lender is telling you is due.