<prompt> Human: Ive been working as a pharmacist manager for a few months and will be making 140k a year about 100k after taxes. I live with my parents in a pretty high living cost area north jersey, 10 minutes from nyc and help them out once in a while. I have 200k in student loans 6 year pharm program. My original plan was to funnel a majority of my money towards loans, about 5-8k a month. I tried to funnel my money towards the loans, but instead of lowering the balance, it seems the extra money i paid went into a bucket for paid next month in advance if that makes sense. Now, I am looking to invest my money somewhere but have no idea where to go and who to talk to. Should I get an accountant? Buy stocks? put my money into a savings account? ThanksEdit: My ultimate goal would be to minimize interest paid and possibly pay off the loan faster than the 10 year plan. My payments that are larger than the monthly payment are currently being applied to next months payment.So just ignore the due date and keep making your usual payments.So even though it seems like the extra payments arent doing what I want, just do it?  <response>: My original plan was to funnel a majority of my money towards loans, about 5-8k a month. I tried to funnel my money towards the loans, but instead of lowering the balance, it seems the extra money i paid went into a bucket for paid next month in advance if that makes sense.I think you are misunderstanding. Student lenders are not allowed to hold payments in escrow and apply them to future interest. All payments must be processed immediately and applied in the following order: outstanding fees, outstanding interest, then principal. Given that interest accrues daily, there will always be some outstanding interest to pay down.Regarding advancing the due date: This is something that all student loan servicers do, unless you specify otherwise. ADVANCING THE DUE DATE DOES NOT CHANGE HOW YOUR PAYMENT IS APPLIED. It simply allows you to skip future payments if you choose to do so. So just ignore the due date and keep making your usual payments. 