2/2 because they already looked at your report after you paid it down to 1-4%. 2. Make half payments, or two payments per month on any loans! For example if you owe 500 for your car every month, pay half on the first and half on the 15th instead of all of it on the first. This will take some interest off on the first payment and the second will go ALL to principle. You will pay your loans off faster AND pay less in interest!