I agree with rocksinmyhead: some people -- I'm one -- think in pots and buckets, so I have a spreadsheet for our savings account where I keep track of the amounts piling up for travel, house updates, car replacement, property tax, LTC premiums, whatever -- it's a cash flow management system. On the daily spending record, I have five line items for our one old Corolla: payment/registration, insurance, maintenance, gas, parking/tolls/misc.
However, I think you'd have to know a lot more about the student loans to know how well they're doing: it may crazy like a fox. Back in the day of 0% balance transfers, I paid for a car by flipping, paying the minimum, flipping again, and stashing budgeted excess in a savings account for final lump sum payoff. The mantra was: I don't pay the bank. The bank pays me.