<prompt> Human: So my monthly payments are 250, but I want to pay 500 instead, but the thing is, to set up auto payments on my account, it only allows me to pay the 250. If i want to use my debit card to pay any amount i want, it charges me an extra 10.95 for convenience. I have no idea what to do, this is my first time taking out a loan. would love as much advice as possible. Thanks!  <response>: When you spend 100 on your credit or debit card, the merchant only gets 98 of that. Your loan servicer doesnt want to lose money on your payments.Keep the autopay going. Send them a 250 check 15 days after your payment date make sure its marked apply to principal. 