<prompt> Human: I have no interesting story, just shifting priorities around. Ive paid off my car and my credit cards are all paid down to 0. Since 2009 Ive just been paying the minimum on my 40,000 student loan. This is the last bit of debt I have outstanding. I was on the whole If I just largely ignore it and pay the minimum every month, itll eventually go away. method of debt repayment.Its a sobering realization when you start adding trendlines to all this and realize that Id be paying my student loan until 2035. The current plan was getting on direct deposit payments which dropped the interest rate something small like 0.25. This gets paid once a month at 265. Then an immediate 500 payment. Then Ive been doubling payments every month - basically the 265 payment on the 1st, and then another 300 on the 15th. Any money Id usually put towards savings or fun stuff goes towards the loan now. I dropped my savings to a level I find comfortable and put the rest 8000 towards the loan. A 2000 payment once. I know its not great advice: Yeah, to pay off your loan just start dropping thousands of dollars towards it. I suppose the idea is priorities which is something I read here. Theres no point in paying minimum payments and then inflating your savings when you have all these debts racking up interest. Long story short, Ill be done with loans by the end of the year, but probably more like 2018 since I cant maintain things like that 8000 payment. I suppose my motivation is not wanting to pay loans out until 2035 and wanting to shave 17 years off the payment time.Assistant: Why arent you on a standard 10 year repayment plan?Human: Because I wasnt smart and went for a private loan. It seemed to make sense for whatever reason. Paying for your mistakes and all that jazz.  <response>: the term isnt all that important. You can still refi if you have good credit.You didnt put the exact amounts, terms, or interest rates. 