<prompt> Human: Ive seen a lot of discussion here about Great Lakes student loan payment plans, and how custom should only be used if you want to do a snowballing approach or something similar. It seems to me this isnt the case though. For instance:I have 5 loans, 4 of which have 4 percent interest rate, and one that has 6 percent interest rate. Great Lakes default method is to pay your minimum monthly payment, then pay down all the interest across all loans, THEN apply any excess to the loan with the highest rate. To me it seems like I should just pay down the monthly minimum payment for each of my loans, skip paying the interest for the 4 loans, and put 100 of the excess into the 6 loan interest, then principal. The interest on the other loans will continue to accrue, but the amount Im paying should still be less. Is there something Im missing here? Is it required to pay down the interest for your loans in a certain amount of time? Im thinking about changing to custom, not to do some sort of snowballing payment plan, but rather, to embrace the avalanche type to pay the least over time by closing the highest interest-rate loans.Let me know your thoughts.  <response>: You are required to pay minimum pAyments on all loans then you put any excess you can pay toward toward that with the highest interest.Part of the minimum payment includes interest so i really dont understand your question. 