The best advice I received was to make half a payment then to make the other half later in the month. I do not make enough at my job to make a full payment every month. My mom also showed me how to add in and budget the interest for the later payment and while it still shows up late on my statement I can say the payment is made. Also I recommend calling the loan company to see what you can do to reduce your interests on late payments. and to find out about their programs that may help reduce your monthly payments.such as the pay as you go program. where you pay a little each month and it goes to your principal balance.