<prompt> Human: The loan accrues interest daily, and Im willing to take a few minutes each day if it will save me an appreciable amount of money in the long term. Thanks in advance.  <response>: You should make your payments as early as possible. So if you have 1k to spend on your loans you should put it in on the 1st if at all possible. Beyond that most loan providers cap the number of payments you can make each month. Usually 2-6. 