If your financial circumstances change and you're able to easily make larger payments on your outstanding loans, then contact your loan services provider and see if they will allow this. Remember, some providers will slam you with high penalties for early payment.

It may be better to work with a loan broker rather than approaching specific lenders. Brokers will be able to shop around in the market for you, locating the best deal with a lender and/or loan services provider. You'll have to pay them, but they'll probably end up being a great investment.

Loan services providers (especially banks and credit unions) often have specialists who will help you find the appropriate loan for your needs, so be sure to take advantage of them. They can step you through the copious paperwork required to get the loan, and tell you what you need to do to fulfill your obligations.