<prompt> Human: I have about 30,000 in federal student loans, currently on a 10 year plan. There are 10 small loans within my account. 3 of these 10 are at 6.8 interest rate. Would it make sense to switch to a 30 year plan, and put the extra money towards those 3 loans? The amounts arent too big so Im wondering if its even worth it. Loans  <response>: Yeah. Thats the smart way to do it. 