Can I make additional payments on my student loan?
If you are financially able to do so, it may make sense for you to pay down your student loan more quickly than your schedule requires. Lenders typically call this “prepayment.” In general, you are entitled to make a payment to your account at any time, without penalty. Check with your loan servicer first to see how additional payments are applied.
Even though you don’t have a payment due, you should continue making payments each month if you can afford it. You won’t actually be paying your loan back any faster unless you keep making payments each month.