<prompt> Human: I got a 17k student loan at 3.2 and I am paying 127mo. Right now on the 127, 67 goes to interest. Is it normal? When I do the math, it does not add up. I should be paying 550year and now I am paying 800year in interest. So can somebody tell me if its normal or should I call my bank?  <response>: Is it possible you were accruing interest before starting to pay back the loan? I would check your loan site to see the current breakdown of principleinterest. tl;dr you might be paying _accrued interest_, not _monthly accruing interest_ if that makes sense. 