<prompt> Human: I am going to start paying back my student loans in the following month and am wondering if it is better to just make the regular standard repayments or allocate more money to those loans that have already built interest. The loans are as follows.Unsubsidized Loan 2010 - 6000 Principal 1606.84 Interest 6.8Subsidized Loan 2010 - 3500 Principal 0 Interest 3.4Unsubsidized Loan 2011 - 2000 Principal 405.57 Interest 6.8Subsidized Loan 2011 - 3500 Principal 0 Interest 3.4Unsubsidized Loan 2012 - 4000 Principal 537.89 Interest 6.8Unsubsidized Loan 2012 - 2000 Principal 268.94 Interest 6.8Subsidized Loan 2012 - 4500 Principal 69.58 Interest 3.4Unsubsidized Loan 2013 -1000 Principal 92.96 Interest 6.8Subsidized Loan 2013 - 1000 Principal 15.46 Interest 3.4Subsidized Loan 2013 - 5500 Principal 96.55 Interest 3.86Total amount of loans - 33000 Principal 3093.79 InterestAll loans are currently in grace period. I have not made any payments yet but need to start in the middle of next month. Right now, standard payments come out to about 400 dollars a month. So should i just make that payment and let them allocate evenly amongst the loans or make larger payments to those that have already accrued interest?  <response>: Any unpaid interest will capitalize get added to the principal balance at the end of your grace period, so if youre thinking about paying down the interest that has accrued on some or all of your unsubsidized loans, youd better hurry up and do it now.Once you enter repayment, you will have to pay at least the monthly minimum on all of your individual loans. You cannot specify how the minimum payment is allocated. You can, however, specify how you want extra payments applied. If you have the ability to pay extra, make sure youre targeting those payments towards the loans with the highest interest rate 6.8. 