<prompt> Human: I have a friend who has a lot of debt from student loans. I dont know the details of the loans, but I do know they are federal and state. What Im wondering is, if he has to pay 500 a month in loans can he pay 550 and have 50 subtracted from the principal? He doesnt know the details of the loan so help is appreciated. Thanks in advance.  <response>: significantly!!run an amortization table under both scenarios. 