<prompt> Human: I have a 27k student loan. I pay 254 on that loan monthly. Interest rate is 5.5 floating, and daily interest is 3.86. Ive just been making my monthly payments but Im starting to think there could be a better way to attack this debt. Am I naive to think I could take out a bank loanline of credit with a lower interest rate to pay off the loan, then make payments to the bank?Assistant: I dont think youll get a much lower interest rate than 5.5 at a bank to be honest.Human: Just so frustrating. Half my monthly payment is paying off accrued interest. Feels like Im standing in quicksand.Assistant: Can you afford to pay more per month? Thats the only way to get this paid down faster.Human: I probably could, but not a significant amount more. Could maybe stretch it to 400.  <response>: Going from 254 to 400 per month would actually be pretty significant.254 monthly payments Paid off by Dec 2026 - 10,100 interest paid400 monthly payments Paid off by June 2021 - 5,400 interest paidI think you have to hit the calculate button to see the calculations with this save feature. 