[jfclavel]

i forgot to mention...

if you can, try to work out a program with your loan where if you make more than your minimum payment, the extra can go towards the principle. for example: you make a $500 payment when minimum was $360 and your balance is $24000. $140 will go towards the $24000, or your principle, which means the interest is less since the loan is smaller. the reason why i point this out is because they sometime calculate the interest for the life of the loan and if you make extra payments, it will go towards your next months payment instead of the principle, so you're still paying same interest