Well I think I need more info like the amount of the debt

For instance, if the debt was 5000 for the year… The monthly payment would be 440. The total interest is about 275 dollars. To take 50 bucks off the principal would lower your payment by about 5 dollars a month but the total interest payment over the 12 months is only a 3 dollar savings. I used an amortization calculator to get the above numbers.