<prompt> Human: Not sure what to do. It makes me angry whenever I check my balance. I feel like Im going to be paying this off for the rest of my life.  <response>: This is what happens when you take out a loan. You agree to give more than it costs them to provide you with that money. Otherwise why would they risk it?You need to be paying more than the minimum. You could have paid it off long ago if youd paid more. 