<prompt> Human: I have an ungodly amount of student loan debt resulting in me paying thousands each month. I realize that they will front load the interest payments to keep the principle high in order to earn that interest. If I can pay extra each month, that amount should apply to the principle, correct? As the principle is therefore being decreased shouldnt the amount of interest being paid also decrease?  <response>: Correction, they arent explicitly and intentionally front loading the interest. The APR remains the same throughout the loan, its just that since the principal is higher more interest is generated in the early months than the later months. 