<prompt> Human: For the last year or so I have been forbearing my loans to focus on smaller loans. At the end of the summer we will be at a place where we can finally put all of out attention on the beheometh of a loan. I know little about financing and how to pay this off smartly. I dont know if I should try to refinance my loan through someone else. I am a little worried that 3000 a month may not be enough to get out from the interest. Any advice would be helpful. I want to pay this off as fast as I can to finally breath a little.Thank you  <response>: Pay 3000month towards it?The ten-year payment plan would be about 1000month, so you are paying down principal a lot faster than that. 