<prompt> Human: I have been paying for my loan with 253month in the beginning and recently started paying 70 week but I am not great at figuring out the difference. Obviously I would pay it off faster at 70 week but I am trying to figure out if the towards the loan is greater this way. Please help, here is a screen shot of the payments.  <response>: Just make sure your lender accepts partial payments credited against your minimum payment.I set up my mortgage payments like this but my lender applies any partial payment that is less than the monthly balance as a principal only payment.So in my case i doubled up on a months payment to pay ahead and then pay some extra money each month with my regular payment. 