<prompt> Human: Hi PF! I graduated from school about a year and a half ago and have been paying 1,650 a month on these loans for the last year. Ive made it work somehow, but I am not making any progress toward saving. Really Im barely scraping by. I have the incredible fortune that my parents are in a position to allow me to live with them rent free. Ive added about 3,000 in cc debt over the last 6 months as my expenses are larger than my income currently building a more realistic budget and cutting expenses where I can.Ive recently accepted an offer at a new job paying 50k a year plus commissions. My next goal is to refinance my student loans to hopefully knock off around 200 a month in interest every month. If I can bring my student loans down to 1,450 a month, this will account for 50 of my monthly take home pay. My question is this: should I maintain a 10-year term on these loans or should I consider 15 or 20? I want to be rid of this debt as soon as possible, but need to be smart about what I can afford right now. Down the road I plan to make payments above the minimum.I should mention that the majority of these loans are private. I only intend to refinance these as my federal loans are at an acceptable rate.Any advice is welcome - thanks!  <response>: Dont put money on a charge card while paying 1650 on your student loans.Thats backwards. 