<prompt> Human: Student debt noob, so im looking for any help. Gf has been paying off her 3 Sallie Mae loans since 2014. 3 loans are essentially 8,900 at 10.1. 11,000 at 10.6 4,200 at 10.1. I think shes been making the min payment until very recently. What is the best way to tackle this debt, and why is the principle not budging?  <response>: Monthly interest alone is 74.90 97.16 35.35 207.41. Definitely need to look at refinancing immediately, thats credit card level interest. Completely depends on her credit, but you might be able to cut that interest in half. 