<prompt> Human: I have about 90k in loans between undergrad and grad school. I have 4900 in interest built up on unsubsidized loans, and I know this all dumps into your principle when the repayment starts in 6 months. Is it smarter to pay off the interest first, or reduce the principle of the subsidized loans first?Thanks for your help!  <response>: pay whichever one is ACTIVELY accruing interest faster. Think of your payment as a number of dollars that will NOT have interest applied to it. You want to select the account that has the highest active interest rate. 