<human>: Ok.  I have three federal student loans from two organizations.  I've been throwing all my extra money at them lately, and my accounts now state they are in pre-paid status.  Basically, this keeps pushing my next due date farther down the road.  

I'm confused how this affects my total interest burden.  I can't be charged for interest that hasn't accrued yet, so it seems like the same total interest in the end?  But I just made an $850 payment to an account that was already paid through the month and several more, and of that $850, $15 went to interest.  I called the organization and asked them to apply extra payments entirely to principle, so they removed the pre-paid option and advised me I would have another due-date soon.  Great.  I'll have that loan paid off within two months and will start avalanching on to the next.
 

Then I called the other organization.  I asked the same thing and was told that not going pre-paid isn't an option, but they must always satisfy accrued interest first and then apply to principle, but all my extras will go to principle.  So was he wrong?  Are they ripping me off for extra interest, or would it all be the same?  Please explain, I feel like a dumbass here.

Can you provide a brief overview of the text?
<bot>: Student loan organization says they cannot remove pre-paid status when I make extra payments.  Will that mean more total interest paid?