<prompt> Human: Hi, all. Apologies in advance for my lack of knowledge about the subject but thats why Im coming to you all to find some help. Ive been somewhat of a serial under-committer when it came to secondary education. Over the course of my 20s I dropped out of three schools and finally found a program that worked for me which I graduated from at the age of 30 in May of last year. Im thankful that my husband pushed me to complete my education and am proud of my accomplishment I was the commencement speaker at 30 and it felt so empowering to have been granted that honor, but Im starting to feel that a piece of paper wasnt worth the added financial stress of the loans I took on. I was the first in my family to go to school in an already financially illiterate family. We did not do our research about the costs of loans, about the repercussions of not paying them on time, and in my early 20s I struggled with the payments and defaulted on some loans. Ive since corrected the effect that had on my credit and am continuing to pay them down. However, now that Ive graduated and have taken on additional loans for that school, Im feeling buried and need help developing a plan to pay this off. Loan details:Federal Parent Plus Loan - 10,354.32 unpaid balance - 8.25 interest rate - currently pay 110.17moFederal Stafford Loan 1 - 816.38 unpaid balance - 6.8 interest rate - currently pay 13.77moFederal Stafford Loan 2 - 2,576.42 unpaid balance - 6.8 interest rate - currently pay 40.21moFederal Stafford Loan 3 - 1,665.05 unpaid balance - 3.27 interest rate - currently pay 21.84moGreat Lakes mix of subsidized and unsubsidized stafford loans - 55,368.98 unpaid balance - interest rates ranging from 3.15 to 6.5 - currently pay 573.92moPrivate Loan - 6,085.31 unpaid balance - 8.5 interest rate - currently pay 158.53moTotal - 917.78mo in student loans for myself, approx 300-400mo for my husband. Our combined salary is about 100k yearly pre-tax. Our mortgage is 1,098mo. Utilities, phone, etc. total about 450-500mo. Car payment is 255.38mo with 5,700 left on the loan. About 6,500 in savings. No kids. Any advice offered would be incredibly helpful. Im happy to provide more detail. I just want to know what our best go forward plan would be. Im tired of being stressed about feeling like were never going to be able to pay off our loans and feeling like were not financially comfortable enough to start a family. Edited for formatting. Edit 2: I wanted to thank you all for taking the time to offer your advice and to quell my anxiety about the loans Ive accumulated. Its comforting to know that many of you arewere in the same boat as I and with persistence and dedication youve paid down the debt. I need to learn a little patience and have faith that in time and some strict budgeting well get there! Truly appreciate you all.Assistant: hey not to sound like a commercial, but i never see this mentioned. i refinanced my student loans with SoFi and went from 6.8 to 4.75. Not huge difference, but something. Ive liked it and Im on track to pay off loans this year. Check out them or a competitor, it was insanely easy to do.Human: I was always advised not to refinance government loans, was that bad advice?  <response>: I think you are correct about the government loans because I think that removes some options you want to keep open income based repayment, public service loan forgiveness, etc. but the private loan might be a candidate for refinancing. 