I was told my student loans capitalize once a month but accural everday and everytime a payment is made, they recalculate the amount accuraled. This makes me wonder if making small daily payments would lower the life of the loan and help me to pay less in the long run. In addition, since the FICO score is not static but calculates daily, I wonder if spreading out the loans with different vendors who report on different days of the month might have the same effect on the score?.?.?