<prompt> Human: can i request that student loan payments be applied to principal only?  <response>: nope. Payments are applied in order:outstanding fees like late payment or bounced checkoutstanding interestprinciple.If you pay more each month - then the extra will go to principle only as the other categories would be empty already.however - it also doesnt really matter either. you are being charged interest on everything. So having a smaller principle balance and a much larger accrued interest balance - will still accrued the same amount of additional interest as having no interest accrued and a larger principle balance. 