<prompt> Human: I called the loan company about paying extra every month, that I wanted that extra to be applied to my principal. They explained that it would first be applied to any outstanding interest then principal.I paid double the amount in January, thinking it would be applied to principal. I didnt receive a bill for February, but I just checked online, and they said my next payment is due in March. They skipped a month, so Im guessing they used the extra payment for Februarys bill. That is not what I wanted. Im clueless when it comes to things like this.. and I just need someone to help clarify everything for me. What do I need to do make sure that my extra payments are going directly to principal?  <response>: Your payments are going toward principal. You just dont owe your next payment. That doesnt stop you from sending another payment.It would be illegal for them to accept your payment and not credit your balance. They wouldnt do this. 