<prompt> Human: I need help, financiers! I am over 100k in mostly private, and some federal school loan debt, my only debt. Currently I am paying out 800 a month in just minimum payments, and that does not include the federal loans which are currently deferred because of my income based repayment plan. I graduated with a Bachelor of Science in Natural Sciences Divisional Degree math, science, and engineering, and now I am a quality inspector at in manufacturing making 15 an hour. I am quite frugal, but even cutting to the bone, it will take me 15 years at my current rate to pay off my loans. What can I do to make this faster? If I could I would just stay under the IBR limit, and not pay private loans at all, but my mom is cosigned on my private loans and they would come after her. Please, any ideas financit?  <response>: What can I do to make this faster? Get a better source of income, or get a second job. You dont have many options. 