Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to pay extra toward the principal of a loan [title] Switch to bi-weekly payments. [step] Talk to your lender about possibly switching to bi-weekly payments rather than making full payments every month. Bi-weekly payments take advantage of the fact there are 12 months in the year but 52 weeks.

Ending1: Each month when you make full payments you'll earn the interest that's required to pay back your student loan. An alternate way to apply for a bi-monthly loan is to put interest into your checking account. Ending2: If you use a credit card to pay for your monthly payments, you might want to make the smallest monthly payments instead of making just half of them, because the trick could end up costing you more on the interest rate. [title] Avoid the " lateral loan " loan. Ending3: You can switch to bi-monthly payments by making incrementally reduced amounts over a duration of time. Some lenders might even suggest this strategy using the world's largest variable variable. Ending4: If you pay half the amount every two weeks, by the end of the year you'll have made 13 full payments rather than 12. [substeps] Talk to your bank or lender about setting up a bi-weekly payment plan.

Answer format: ending1/ending2/ending3/ending4