<prompt> Human: Over the summer I talked to a rep from Navient that said if I make payments just after the billing cycle begins then I dont accrue as much interest. So I stared making payments just around the beginning of the billing cycle.3 months later and I see interest was still accruing regardless of when I made a payment and Im furious.Was i given incorrect information and interest continues to accrue regardless of when I make my payment?What are the best strategies to minimize interest accrual on a 16k debt?Assistant: Interest doesnt stop accruing because youre making payments. It just accrues less like the rep said because your principal balance is presumably less. If you have a 10 interest rate on 100 and make a 20 payment, you pay 10 to interest and 10 to principal. Next month you have a 10 interest rate on 90 and make a 20 payment, you pay 9 to interest and 11 to principal.Human: They outsource their customer service to the Philipines so I shouldnt be surprised at the bad communication. They didnt communicate it the way you just did. So there is no way to minimize the interest and have more go towards the actual principal?Assistant: Navient that said if I make payments just after the billing cycle begins then I dont accrue as much interest. According to you that is exactly what they said. So there is no way to minimize the interest and have more go towards the actual principal?Pay more.Human: Incorrect. Reread what they said. Its very nuanced but doesnt matter now anyway  <response>: I did. You dont accrue as much interest if you pay sooner. 