<prompt> Human: Long story short, I grew up in a house with a single mother supporting 2 kids with no help from my father. She handled all my loans for me and Im pretty sure she messed something up along they way because I feel like we shouldve gotten more money than we actually did and the interest rates are super high. What are some ways I can attempt to reduce either my interest rates, the loan itself, or maybe extend the payment time so its cheaper each month? Thanks.  <response>: Youve given pretty much zero details about your loans. What kind are they? How much do you actually owe? Interest rates? You can find out information about federal loans here: 