<prompt> Human: I was just noticing that 18 of my student loan payment is just going to monthly interest. My average student loan interest rate is 6. Im sure I am missing something but apart from 6current loan principle360 as my daily interest days in month is there anything else to consider? Is it typical to pay triple your interest rate as part of your monthly loan payment before paying against your principal? It just seems like if this is normal there is a systemic issue here! Im sure its more complicated than that but I need to get into lending if thats the case!  <response>: Is it typical to pay triple your interest rate as part of your monthly loan payment before paying against your principal?Your interest rate is not meaningfully related to how much of your payment goes towards interest versus principal. Read up on loan amortization for the basics on why your payment is divided between interest and principal the way it is. 