<prompt> Human: I am worried that when I make payments, they are being spread across all three loans in an attempt to make me pay more interest over the course of my repayment than if I payed them down one at a time, but I cannot seem to figure out how to do that. Am I right in assuming that I should try to pay them off one at a time? And if so how can I go about doing so?  <response>: I recommend this wiki post on the snowball vs. avalanche methods to paying down debt. Both have their advantages. 