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If you have Stafford and Grad Plus loans from the same company, do you make one payment, or do you pay the two loans seperately? I am concered that if I have both loans with one company, they might apply my payments to the low interest loan first, leaving the grad plus to accumulate interest at 8.5% until the Staffords are paid off. If that is the case I might use two separate companies for each type of loan to avoid this scenario.