See the power of extra payments. Calculate how much time and interest you can save.
Small changes make a massive difference over time.
Focus your extra payments on the loan with the highest interest rate first. This mathematically saves you the most money.
Pay off the smallest balance first. The psychological win of eliminating a loan can motivate you to keep going.
If you have good credit, refinancing to a lower rate can save thousands. Just be careful about losing federal protections if you refinance federal loans.