<prompt> Human: I am a 23 year old who has been working for about a year. I have several student loans with several different lenders. I have 5 loans through one lender with rates varying from 5 - 6.8. I have no problem paying off my loans and I am actually looking to pay my loans off ahead of schedule.I have three scenarios as I see it: 1 put extra money towards my my student loans starting with the ones with higher interest. 2 Call up the lender and negotiate a lower interest rate. I figure Id concede to a shorter loan term in exchange. Is this even possible? Has anyone done this? Any suggestions? 3 Debt consolidation. Can I consolidate some of my debt aka the 5 loans from this lender but not others the loans from my other lenders? I figure this would give a lower interest rate and I could continue to pay as if I was still on the original ten year repayment plan.I am already doing the first one, but I wonder if the other two are better options. Are there any other scenarios Im missing? Are there credit score implications to any of these? Any thoughts and suggestions would be helpful. Thank you.tl;dr How can I pay off my student loans quicker while minimizing my interest expense.Edit: I have an emergency fund built up over three months of expenses. Im making extra payments each month towards the highest rated debt. I already make all of my payments well ahead of time and use automatic withdrawals. I want to know if there is a better way such as scenarios 2 and 3 to go about this.Edit 2: I appreciate the help, but most of you dont seem to be answering my question. JoelsonCarl has been the only person that has actually provided me with something I didnt already know. Im not looking to make a 5 payment everyday to save on accrued interest. Im already paying off the highest rated debt more aggressively than the others; therefore, there is no reason to suggest the snowball method or even unburyme because I am already doing that. Im really just wondering about the feasibility of options 2 and 3.  <response>: Www.mint.com I plugged in all my student loan account details and created a goal to pay off the debt and it organized all my monthly payments in the snowball style. Telling me how much to allocate to each loan of different amounts and interest rates. It makes planing the payments and preparing them way easy. And now that the Department of Education finally got a better website, you can put ur money where u want it to go. Check out subreddit rstudentloans 