<prompt> Human: Forgive me for asking a really basic question, my parents arent good at all with finances and Im not sure where to ask. I have about 20k of student debt that I need to pay off. I am also very bad with saving money that is on my debit card. So I thought that instead of attempting to save money, which Ill spend on online shopping, Ill just pay little bits towards my loans. This would be in addition to my monthly payment. Can this negatively affect me at all? Thanks.  <response>: Can this negatively affect me at all?Nope. by paying it down faster you will actually pay less total interest, which will save you money. 