<prompt> Human: I have 3 different student loans at 3.5 with the amounts of 20k, 50k and 95k med school loans. The interest rates are exactly equal between all 3 loans from the same lender. Which should I pay off first? I was told to pay off the 30k first, then 70k, the 95k. However, I was going to pay off the 95k loan first until it started to match the 70k loan because of the high amount of compounding interest on 95k.  <response>: Percentages dont work that way. Pay them as you wish because there is no difference in how much it costs you. 