<prompt> Human: My girlfriend is a entering a university in Washington state. She has to pay 6,000 out of pocket each semester so her mom made her take out a loan from Sallie Mae of 18,000 with a 10 interest rate. Her mom cosigned on the loan. What can my girlfriend do to overcome this debt as fast as possible? She is stressing out about this situation.  <response>: Her mom couldnt force her to take out a loan. She had to sign on the dotted line herself. If she isnt comfortable taking on that type of debt then she needs to look at other schools that have lower tuition or more competitive financial aid packages. 