<prompt> Human: I have just over 100k in debt spread out over 10 loans with interest rates ranging from 3.8 to 7.9. Right now my minimum monthly payments are 1200 which is about half of my income after taxes. I know I should put any extra money towards my highest interest loans first but right now I earn a negligible amount of extra money after my other expenses. Im wondering if it makes sense to lower my monthly payments by applying for income based repayment and then using any extra money Id save on the lower interest rate loans and put that toward the higher interest rate loans. Ive spent some time researching student loan debt but any advice would be greatly appreciated!  <response>: This absolutely makes sense so long as you are attacking the loan with the highest interest rate until it is gone.Also contact your servicer and have them group the loans by interest rate. 