<prompt> Human: I am hoping to get some advice on the bestfastest way to get rid of my private student loans, which total total 157,813. The other 143,000 are federal. Both my wife and I work at not-for-profit organizations and are on PSLF for those.My private loans were originally taken out through Sallie Mae with my mom as a cosigner but are now owned by Navient. 1.2007 Signature student loan 35,095 at 42.2007 Signature student loan 9,189 at 43.2008 Signature student loan 30,369 at 4.1254.2009 Signature student loan 31,661 at 4.1255.2010 Sallie Mae Smart Option Student Loan at 51,499 at 10.25 variableI did not come from a fiscally responsible family, not even close. After I was accepted to school, the financial aid office told me that my mom made too much money to qualify for enough through FAFSA to cover the cost of school and that I would have to take private loans. The only loan I was able to get was this signature loan until the last year when that was no longer available. I make 55,000 before taxes working at a not-for-profit organization, am married and have a four-month-old son. We are considering moving in with family for the next two years to minimize our expenses and put as much of my salary towards these loans as possible. We have three ideas tackle these and would love any advice or other viable suggestions. 1.Refinance the high variable interest loan with earnest or a similar company to reduce monthly expenses2.Refinance all into one if one of these companies would underwrite it 3.Pay the minimum over the next year and sock away as much of my salary as possible while we are living with family then intentionally default wait for them to send me to collections and try to reach a settlement. I bring up this option because just after i got out of school in 2010, I did default and was sent an amazing settlement offer but could not afford to do it.  <response>: Refinancing will probably be very difficult with that debt load. I would plan on living at your parents for a lot longer than 2 years. I would also suggest trying to find a much higher paying job or working 2 jobs, or 3 jobs. Good luck. 