<prompt> Human: Hi all, I did a search for this but didnt find a conclusive answer.Heres the deal:90k grand total loans all from sallie mae 22k loan at 8.5 interest 18k loan at 8.5 interest 31k loan at 7.9 interest 19k loan at 7.9 interestTotal Monthly minimum payment is 1250These were all borrowed under my parents name but I am paying them off. My question is: is there a way to take out a personal loan that can be used to pay off these student loans at a lower interest ? Credit union or big bank If so, would I need to explain the situation paying off student loans that are technically under my parents name or would I just apply for a personal loan? Also, what amount would be possible to borrow and around what should I aim for?I make about 4k a month net 75k gross salary and have no other expenses other than a 600 car pmt per month. I live with my parents so I dont have any collateral really.I can afford the monthly minimum on the sallie Mae loans but I dont want to pay 1200 monthly for 10 years. My goal is to knock out these loans in 3 years. A lower interest rate even with a shorter repayment period would definitely help!Thanks for any advice or experience you could share!! :  <response>: My question is: is there a way to take out a personal loan that can be used to pay off these student loans at a lower interest ?lol no 