<prompt> Human: Hi everyone. Quick question about my student loans. I have 40,278 in debt from college. They are all government loans, I have two subsidized and two unsubsidized. The subsidized are 8,163 and 8,071 and the unsubsidized are 11,999 and 12,044. All have an interest rate of 6.8. I am on the income based repayment plan so my minimum per month right now is 125, I usually pay more than that depending on how my checking account looks that month. I have been paying much more toward the balance of the two unsubsidized and putting smaller amounts toward the two subsidized, my thought process is to get the bigger amounts down first so the interest isnt so crazy. Im fairly uneducated when it comes to this stuff so I guess if there is a better way for me to go about doing this that is what Im searching for. Thanks for the help.  <response>: my thought process is to get the bigger amounts down first so the interest isnt so crazy.It actually doesnt matter for you since theyre all the same rate. Every 100 you have loaned out costs you 6.80year, no matter what loan its from. If you had different-rate loans, you would want to pay towards the higher rate first, no matter what the balances were. Like if you had 50k at 1 and 1k at 2, it may not be obvious which one to pay, but imagine you had fifty 1k loans at 1 and one 1k loan at 2... no its more obvious you want to pay the 2 first.Anyway, the advice so far is irrespective of sub vs unsub loans and IBR, and others may chime in with specific advice about that an your IBR plan. IBR wasnt a thing when I graduated so I dont know all the details on those : 