<prompt> Human: I graduated back in 2009 and, frankly, have yet to hold a job in my field. At least, one that pays a reasonable monthly salary most Ive pulled in in any one month was around 1600 pre-tax, and that was while working two disparate jobs. That said, for the past year or so, Ive been consistent about making full payments on my student loans, which are currently not under any special progams.They total over 66,000, with one around 40,000 at 7.5 interest and the other at about 26,000 at 10.75 interest. Oddly, I remember those interest rates being different, but I dont have any direct proof thereof on hand and Navients new website seems to provide less information than ever in this regard.Loan payments were about 530 a month, but theyre asking for 541 next month, which fits with my suspicion that something in the interest rates changed. Im not sure what I can do about that, if anything, but I dont recall agreeing to any such terms, and Im pretty sure the original terms of the loan, as set with Sallie Mae over six years ago, were pretty ironclad in that regard.Additionally, attempts to refinance have been met with the assertion that my income is insufficient to justify refinancing; I understand the fairly linear riskreward metric banks use when taking on debt, but if Ive been making consistent payments at a high interest rate for a year and have consistent, stable employment which I have had for the past year, despite it being 10hr retail, youd think that would factor in. Would talking to someone at one of these banks be beneficial or am I just going to get the same runaround?I also tried with a cosigner. The same individual who cosigned my original student loan. They claimed she has too high a debt-to-income ratio, though her income has increase and, since my dad passed, a significant portion of the debt she was helping him pay yes, its my mom has been wiped.Im confused, frustrated, and dont know where to turn. I just want to grab someone important by the shoulders, shake them and say, look at this shit. Do you think if youd had to deal with this shit from the day you graduated on youd be anywhere near where you are today? But that would be unproductive if cathartic so what are some productive things I can do?  <response>: One of your loans must be variable, which isnt uncommon for private student loans. Your master promissory note would list what type of loan it was. If you cant find this, call and ask your lender. Or maybe your schools financial aid office has a copy you can get. Would talking to someone at one of these banks be beneficialHighly unlikely. No bank is going to refinance 66K for someone who grosses less than 20K a year. Regardless, the larger issue is your income. In grand scheme of things, it doesnt matter if your monthly payment is 530 or 541. If we pretended you had one large loan of 66K at 8, a monthly payment of 541 would result in a payoff date of January 2036. Easier said than done, but you have to get a better job. Maybe this means moving cities, but retail is not a career path unless management is on the horizon and it doesnt sound like it is. Teaching would surely increase your income. Not sure how much work it would be for you to get your license. Many states let anyone with a bachelors sub though and I think youd make more than 10hr. My teacher friends all started around 35K-40KAre you good with technology and understand it? You could look at an entry level technical writing jobs. Sales, look at software companies. This list might have some good ideas: Lyft and Uber could be great options for you right now. You could work them when you arent working your retail job. If you work the busy shifts, you can average 15hr. Also, I think Lyft is paying drivers 750 once they complete 40 rides in a month. 