<prompt> Human: Should I stop paying my federal loans for a few months in order to take advantage of the auto debit discount and focus on my NJCLASS loans in the meantime?My federal loans are paid ahead by a few months and I cant take advantage of autodebit discount .25 while they are still paid ahead. I have been paying the minimum on my federal loans anyway to focus on my higher interest rate and less protections state loans and I didnt see a downside but Im scared to pull the trigger.Here is a breakdown:---Federal:due date November 2018autopay discount .25cannot recieve discount while paid ahead on current ICR planbalance as of 3291813579.10minimum 194.00mo I have been paying only thisGROUP A 2,011.22 5.6GROUP B2,557.70 4.5GROUP C 6,319.37 3.4GROUP D1,362.10 6.8GROUP E 1,346.71 6.8--- State NJ HESAA balance as of 3291823,708.51Minimum 332.00mo I have been paying this and then an additional fee hundred to my highest interest loanLOAN 16,943.37 8.34LOAN 27,556.26 8.1LOAN 39,208.88 7.8---Also has anyone had a good experience using NJCLASSRefi?current credit score makes me eligible for 5.7 interest rate a 780 would make me ok for a 4.9 but would take a while to achieveAny thoughts and advice would be greatly appreciated!Assistant: I cant answer, but extra payments should be paid against the principle. You should not pay monthly payments ahead, otherwise you save nothing in interest.Human: Hi thanks for responding! There is an option to do not advance due date enabling that would stop the paying ahead, correct?  <response>: Yes that should do it. The pay ahead would otherwise keep you paying for the full term of the loan, with all of the interest, instead of paying it off early. 