<prompt> Human: I have a small loan with a balance of about 900 left at 12.5 interest. The minimum payment is about 90 a month. I recently noticed that i have the option to pay principal only when i make an online payment. Will this save me money in the long run?  <response>: Sounds like an option to make an additional principal payment. In other words, choosing this option wont go towards your minimum payment; youll still owe the 90 for that month. 