<prompt> Human: Im sort of thinking its better to pay at every paycheck than every other paycheck because of interest?Balance is 8800 at 10 and 8700 at 9.6 through Sallie Mae. Just paid 1760, first payment. P. S cant refinance because did not graduate. And well have it pretty much paid off by the time the first year of payments ends in order to refinance through citizens bank.  <response>: Everyone here is talking about the interest, but I think theres another component. If you build the 650 every pay period into your budget, then its easier to plan for and stick to. If you wait to pay 1300 a month, youre building in more time for you to accidentally go off-budget and spend some of what was supposed to go to the loan. Then all of a sudden it turns into 1200 that month, and the cycle tends to perpetuate. I know this from personal experience - the more you commit to chucking away toward the loan, and the earlier you do that, the better. 