I was playing with the "Increase Your Payment" calculator and if I decrease the time by 11 months or less, my payment amount decreases.

Example: Current payment schedule = 87 months @ $159.00
New Payment Schedule = 80 months @ $152.00 and 1 month @ 145.00

I called. The rep said it was a fluke because I've been paying more than the due amount so the "New Payment" schedule was factoring that in.

Here's my question - Should I submit my recalculated payments and have them make it official or should I continue paying more than the Amount Due? Are there any benefits to either?

Thanks!