<prompt> Human: I have my loans consolidated through myfedloan.org. Within this account I have about 9 loans all at different amounts from 70 to 7,600 and interest rates ranging from 2.11 to 6.8 fixed, ranging from . Ive been paying them for about a year now by just paying across all of them equally whatever amount the site suggestedI dont know a lot about how interest works. Would it be smarter to make my payments go across all of the loans like what the site does by default. Or, should I direct more money to the one charging the most interest, while just paying the interest on the rest of them?  <response>: If you have a few small ones under 1000 just pay those off right now. When you are ready to roll up your sleeves and get busy, pay the minimums on everything except the one with the highest APR. Crush that one with everything you can throw at it. when that one is paid off, go to the next largest APR. 