<prompt> Human: First post to PR, Im hoping someone can provide me some clarification on why all my payment is going to the interest on the loan rather than the principle itself. From what I have read, this seems to be the same way Mortgage Payments are made. Is there any way I can accelerate this process? Is the only option to increase my payment?Edit 1: Apparently I messed up the title. Picture is located here:  <response>: Is the only option to increase my payment?Yes. Payments are always applied to the interest first. The remainder goes to principal. Increase the amount of your payment so there is more leftover to go towards principal. 