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Messages - lauradrops

1
My son is applying an extra payment every 2 weeks to his student loan to specifically target his high interest rate loans. As we understand it, his regular payment will be applied equally across all of his loans. He has been able to choose which loans to put the extra payments on in an effort to get rid of the really high interest rate loans first. He owes about 104,000 and has some 7% and 6.5% rates that are growing quickly.
He is on a 10 year repayment and has no issue with the payment. But here is the question. If he were to extend it to 25 year repayment, he could keep paying the same amount each month but apply more to the loans he chooses because the required payment would be smaller. As far as I can tell there is no down side to this because he will still pay it off in less than 10 years. The upside would be getting rid of the higher rates faster. Does this make sense or am I missing something?