<p>ooh thanks for pointing that out!</p>
<p>in that case, which loan would i end up paying less money (or is it a small enough difference it doesn't matter..)? </p>
<p>1) .25% interest rate deduction for payments through savings account and a 3.33% principal reduction</p>
<p>OR</p>
<p>2) .25% interest rate deduction immediately upon entering repayment and 1.75% interest rate deduction for payments through savings account? (it would end up being a 4.8% interest rate...would a rate this low be more beneficial than having a higher interest rate but a small reduction of the principal loan amount?)</p>
<p>any help would be appreciated (maybe there is a calculator online i could just figure this out for myself?) i hope i'm not over thinking this too much</p>