What to do with 3rd year loans

[zybandozi]

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[lampshade4u]

I assume I would want it against the principle, right? If I make a payment while in school, it doesn’t trigger some weird premature payments due does it?

Payment will go to interest first, unless made within 120 days of taking out the direct fed loan. In that case it goes to principle and interest accrued on that amount vanishes (basically a loan cancelation). Your 45k at 6.21% has accrued about $2800 in interest assuming you took it out a year ago so that will be paid first then 17.2k remaining would go towards the 45k principle via your plan.

Making a payment won't trigger anything. I've made several payments of a grand here and there with tax returns and perkins loans etc.