<prompt> Human: Wife has 250K student debt from law school. Is there a way to refinance and get smaller payments? Right now the smallest amount we can get it down to is a 30-year repayment for 580 a month. Would any bank give us a loan to pay it off and have us pay smaller amounts for a longer term?  <response>: Honestly your mind set shouldnt be how to get the 30 year loan lower but how can I pay this off faster. 