I work in a school system and do not get paid for the months of July and August. Should I make double payments in the previous months or save the money and make the payments in the months due?
Ask your bank. In some cases you can prepay the loan and the due date progresses forward for each full payment you make. This can save you interest on the loan and is recommended if your bank will advance the due date.
Some banks though, will apply your entire payment to the account without advancing the due date except by one month. They believe the loan contract calls for a monthly payment and they expect a payment each month, even if you double-paid the month prior.
More banks are in the former position, than the latter, but ask your bank to be sure. You'll not go wrong holding the funds until the payment is owed, but as noted prepayment may save you a few dollars.
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Ask your bank. In some cases you can prepay the 