<prompt> Human: Hi all! First post ever...I have several student loans 6 totaling about 12k. All have fixed APRs of 2.65 and are with EdFinancial. They are part of my overall debt snowball and will be paid off in two years, but is it better to snowball within the loans with any overpayments? I overpay 100 per month now to get the total down, but it gets dispersed evenly to all of the loans.Should I be applying the extra payment as a principal payment on one loan?Thanks!  <response>: If the loans are all 2.65 then it doesnt matter whether you disperse or focus. Its only when debt has higher rate that focusing helps.That said, if you have extra money and have any kind of other debt, such as credit card or car loan, at a higher rate than 2.65, definitely target that debt instead. 