<prompt> Human: How do you apply the money so it goes more towards the principal and less towards the interest. Tips on the best way to do this please. 6.99 interest rate for appx 7000 used vehicle. Have about 5000 on credit card to pay. Just want to pay off my loans as soon as I can so I can get out of debt. These are the ones I really want to get out of the way first. Thank you!  <response>: When you make an extra payment they should give you an option that says either apply extra amount to principal or extend my due date. Never extend the due date. 