I am almost to the point of targeting my student loan debt. All of the 10ish loans that I took out during school have been lumped under a "loan group." The problem is that several of them have different interest rates and I would like to target the highest ones first. When I make a payment online, however, they always split the *extra* principal payments in a weighted manor to EVERY loan instead of targeting the higher interest portions. Is there a way around this for online payments, or should I just send in the old fashion regular check with the memo line filled out with the sub-group acct # and a note to specify how it should be applied? I LOATH writing out checks and wasting a stamp...

I also have doubts that the payment will be applied accurately, because I have a friend here at work who