My question involves collection proceedings in the State of: Arkansas

I have several federal, student loans through EdFinancial services that are in good standing. If these loans were put together in one account, my payment per month would be about $400. My car will be paid off next year and I am looking to put that extra money into my debts to get them paid off ASAP! Even with the extra money each month, $400 is a hard pill to swallow right now and it doesn't seem that lenders have any options to help you out there.

I have noticed that if these loans were broken down and not lumped together, I could get them paid off quicker. I mean, there is one loan listed that is $86.00 and I could pay that now. The loans are listed separately on my credit report too and the more I pay off, the less account open on my report which is usually a good thing.

My question is, would the lender allow me to pay on each loan separately or would they require that my loans be lumped together in one account?