<prompt> Human: 110,000 of the loans are currently thru Sally Mae. She also has federal loans, but she is currently making payment on these. Her payment for all her loans is a staggering 1200 a month while paying minimal principal. Her interest rates on private loans varies with one carrying 11, two carrying 8, and one at 4.She works two jobs and currently pays the federal loans off, but cant afford the private ones. Her jobs are in retail and she just began work at a hospital. Her parents are co signers on these loans, and it sounds like Sally Mae might intend to go after their home.Does any one have any advice on refinancing for lower interest rates, forgiveness programs, programs for hospital workers, or government assistance?Assistant: What was her degree in?Human: Social WorkAssistant: 3232;_3232; BA, MA, or Ph D?Human: BA  <response>: Aw jesus. 