<prompt> Human: I have been trying to make extra payments to my sallie mae account as often as I could lately. The payment due date is well into the next year, when I click loan transaction history, I see that most of my extra payments are indeed applied to the principal.Yet when I press Loan details, I see that my monthly payment amount is the same as it was before, even though my principal went down a lot. The question is - are my extra payments truly applied to the principal, or are they applied to the principal in the future months? What the hell is going on?  <response>: Theyre applied to current principal. Your payment may not change, but youre now paying more principal, and will pay the loan off faster. 