<prompt> Human: Hi, sorry mods if ive done this incorrectly, im very very upset.So what happend was when i was a student I was young and dumb, i racked up some debt and credit history went waaay down.Here i am 8 years later trying to get back on my feet and I pretty much signed something in a panic to get debt collectors off my back as my stress levels were super high.I got a loan of 10,000, 30 APR and 60months to cover the debt of everything, school, credit cards, car fixes, etc. I signed with a company and got a loan with a 30 APR, i assumed this was interest, but i never understood that it is 30 per year interest. I signed up for Loan insurance but ended up declining it afterwards. On my loan agreement it states 446.79 per month with optional insurance added on, then it says 329.58 without it. About a month after the loan i opted out of the insurance. The employee told me I couldnt get a lower loan amount from the 446 to the 329. Now im a little frustrated. 446 over 60months 26,760 and 329 over 60 months is 19,740. Or maybe I dont understand fully.So now i ask you guys, what would be the fastest way to pay this off? Tried a bank loan.Thanks,  <response>: how much of the 10K do you have?...the fastest way to pay this off is to 1 use whats left to pay back the loan early, 2 work extra to pay back the loan early, 3 sell stuff you bought to pay back the loan early.Then never do this again...ever. 