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If your lender allows it, you can make additional payments directly toward the amount of money you borrowed — the principal — which can help you pay off your loan faster. Here are some tips that can help ensure any extra payments you make go toward your principal. The key is to specify to your lender that you want your extra payments to be applied to your principal.

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It exceeds the scheduled monthly amount, possibly saving you on interest and helping you to pay off your mortgage early. Generally, student loan servicers apply your payments first to cover any late fees you’ve incurred and then to accrued interest before they apply anything to your principal Regarding a home loan, you’re making an additional principal payment that’s supplementary and applied directly to your principal mortgage amount, which goes beyond your scheduled monthly payment

Many homeowners pay extra on their monthly mortgage payments and mark it “for principal only” to get their homes paid off sooner

Sometimes they don’t automatically apply extra payments to principal, and that’s a mess we’ll talk about later Check if your lender allows it Most lenders these days are okay with extra payments, but not all of them are.

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