<prompt> Human: My current minimum is something like 175 for one set of federal student loans Stafford or Perkins, I forget. I paid off one loan in a group of 4 but the minimum didnt lower, which means I am paying off more on my low interest loans. My loans look like this. 5500 at 5 different servicer 3900 at 5.35 4750 at 4.25 4650 at 3.15Is there any reason not to do IBR or graduated repayment plans to lower monthly minimum payments so I can pay off extra on higher interest loans?  <response>: I did extended graduated for the life of my loans for that very reason, to target the higher interest loans. I dont see any issue. 