<prompt> Human: I just got a cell phone through my work. I was paying 90 a month for my phone, and now I have that money as extra.Since I know I can get by without that money each month, Im going to put it toward my student loans.Would it be better to pay 90 a month toward one particular loan, across all my loans, or save it up for a year and pay it on one loan at the end of the year? Which one helps me pay off my loans faster?  <response>: If they have different interest rates, pay it towards the one with the highest first. If they are all the same interest rate, pay it towards the one with the smallest balance.Either way, once you get one paid off, keep making the payments on the next one in line as if you were still paying off the first and snowball it into one big payment. 