I only paid 24,000 for my MCK brace and they threw in a wrangler for free
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If the loan is set up that you can't put money on the principal, then I'd agree. But if the option is there to put extra funds on the principal amount, then it's better to take advantage and pay what you can there. Considering it money you won't be paying extra interest on. Plus the sooner the loan is paid off, that means those monthly payments can be put towards cash savings or into a retirement account.
I've taken 10 months off my loan and the interest I'm not being charged for just by putting my extra funds on the principal. It's money saved in the long run that adds up.