<prompt> Human: Apparently I was enrolled in a rate reduction plan for a year. My interest was 5.5. I scraped together every single penny, was frugal as all hell and did not spend any money on anything beyond the minimum for the entire year. In January 17 my loan was 16k been paying this private loan since 2004. Today its 9k. I called when I checked this morning and saw my interest skyrocketed to 14.5. I nearly shat. They said because Ive been aggressively paying the loan off that they cant do a thing and Im stuck with 14.5 because I dont know, guess Im an asshole for trying to pay this off. Are there any options out there? This is just stupidly high, right? Sorry Im freaking out. Thanks in advance.Assistant: I would not recommend this to everyone, but if I were in your shoes and I knew I was responsible with the credit card...I would open a 0 interest, 18 month credit card. Pay this thing off with it. With the interest you save, you should be able to pay this thing off in 12 months.Human: Navient wont accept credit card payments  <response>: Just to clarify, yes most banks will not accept a credit card as a payment opinion for monthly bills or to pay a balance off in full. However a balance transfer is different. With a balance transfer you go to the credit card companys site and enter in the name of the bank you owe, account number, and an amount you want to be transfered. Think of it as an actual transfer of debt as opposed to a purchase transaction.Note: I just did this with student loans and 3 credit cards. 