<prompt> Human: Hello group,My girlfriend signed up for a private school loan to pay for her education, but has almost no money helping from her family and basically no scholarships either. As such, shes looking at leaving school with around 130,000 in school loans.Unfortunately, it seems that she found the equivalent of a loan shark to lend to her, as she was informed that she will be paying 1,200 every month for 15 years after college to pay off the loan. Obviously, thats not a sustainable amount, she would never be able to live having to pay that much.So what can she do? She already took her first year of school, and her loan company just paid for her second year. Is there some way she can transfer her loan to a different company? Or maybe cap her payments based on income somehow? I mean, right out of school, 1,200 per month could easily be 70-80 of her monthly income, making her situation unlivable.Shes feeling really stressed and depressed about this. What should she do?EDIT: Okay, was looking for ideas OTHER than transferring schools. She goes to UVM, one of the most expensive in-state schools in the country. That means that her only transfer options would be to a private school, which wouldnt help financially, or a community college, which would make it harder to get into a decent med school  <response>: Unfortunately, it seems that she found the equivalent of a loan shark to lend to her, as she was informed that she will be paying 1,200 every month for 15 years after college to pay off the loan. For 130,000 in loans, this seems about standard. Not loan shark territory. How else would she pay off the loans?Anyway, her best bet is for her to transfer to a cheaper school so she takes out less loans in the future. She should also apply for lots of scholarships, and work to the extent possible while in school. Avoiding excess debt is far easier than managing it.And regarding capping payments... if these are federal loans, they definitely offer income-based repayment. That will make her life easier. But if theyre private loans, usually this is not an option. Its what she agreed to when she took out the loan. 