If it works anything like a home loan, get an amortization chart. That'll tell you how much you're paying monthly to both principle and interest. If your wallet can take it, pay the principle for the next month along with your payment for this month. And also, like with a home loan, make it a seperate check with your account number and "PRINCIPLE" written in the comment line. That pretty much eliminates that payment. 6 years turns into 3, kinda like 30 years turns into 15. The only drawback is that although this isn't so difficult in the beginning, it gets pretty damn tough towards the end of the loan when the majority of your payment is actually going towards principle and you decide to pay your 500 plus the additional 450 for the next month. It should be pretty easy if you stick to it though.