How do I pay off large chunks of my school loan and avoid any interest trickery?

You should contact your lender and ask about making a payment to pay down the principal of your loan. If it's a federal loan, start here. You can't necessarily just write something on the check, you may need to use a special form or send the payment to a specific place.

Your 4.7% interest rate is still reasonably low, though, so you really may want to keep that cash around to have a rainy day fund or even consider investing it in something that may pay you more than 4.7% after taxes (although that will carry risk with it). And you should definitely fund your IRA/401k or other tax-advantaged investments before you pay down student loans. You will probably never be able to borrow money at such a rate again.

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