1. Pay More Than the Minimum Amount Due This one is pretty self-explanatory. Paying more than the minimum amount you owe each month will allow you to pay off your student loans before the end of your repayment period. Making more than the minimum payment reduces the total amount you owe, and because interest is calculated based on your outstanding balance, it also reduces the total amount of interest owed. 2. Refinance Your Student Loans This can be especially helpful if you have private student