I am thoroughly frustrated. I have called the Federal Student Loan Dept. and none of them understand how to pay down a loan. They told me to send in a second payment in the same month, after I have satisfied the actual payment due. I did that. They took my second payment and applied it to both interest and loan. The website myedu.com does not have any information that shows students how to pay down a loan. It does tell you how to lower your payment and defer. What is wrong with that picture? Students need to pay-off a loan fast and quick. I am really angry at our government.