Who knew they had a straight answer in them!?!?
Thank you for your inquiry and for your business with .
If you are submitting a payment via Online Billing that is equal to two or more monthly payments, you will be directed to a page where you can choose whether the payment is to be used to prepay the principal or to pay your account ahead.
If your extra payment does not equal a whole payment, it will automatically be applied to the principal balance if all of the accrued interest has been paid.
If we may be of further assistance, please visit our Web site at www.salliemae.com.