<prompt> Human: I have a group of three loans 22k, 5k, 4k. I pay 275 each month. They are all at 3.5 interest rate. My latest payment, 195 went to the highest, 45 to the middle, and 35 went to the lowest. Should I try to put the majority of the payment to the smallest loan to try to eliminate that loan faster?  <response>: Mathematically it makes no difference. 