When ' s the patch coming ? I ' ll buy DH 2 as soon as it is guarenteed to run well on my machine . <| sep |> Paying off the accrued interest will prevent it from getting capitalized if it isn ' t already , which it probably is , andor allow more of your future payments to go to principal instead of going towards paying off the accrued interest . I ' m not sure what is going on with your additional payments if you make additional payments it should pay off the accrued interest . Also , you should be using the avalanche method paying off the highest interest rate loan if you want save the most money andor pay your loans off as fast as possible . If you have 1500 in cash right now , you would probably be best served to direct it to the 6 . 5 % loan assuming you don ' t have any other debt with higher rates , have a solid emergency fund , etc .