<prompt> Human: Hello all. Thanks in advance for your time and effort to answer my questions.My sister is in rough shape. She racked up 40,000 worth of student debt, and graduated in 2010, or at least we thought she graduated. Shortly after graduation, she followed a boy down to Georgia. Lots of shady shit, not very good employment opportunities. Come to find out she didnt actually graduate and had a few credits to finish up. She finally finished them up and got her actual degree. Going on those 5 or so years we thought she graduated, she completely ignored her student loans. Pretty sure she ignored them until 2016 when she moved back to our home state. That 40,000 has ballooned to almost 100,000. She went into default on multiple loans and the government has been garnishing her wages for a little over a year now.Good news is she is about to be out of default on her last loan, and she will stop having her wages garnished. My brother and his wife, along with my wife and myself have finally gotten her on a track with a budget. We sort of preached Dave Ramseys Total Money Makeover to her, focusing on baby steps, having a budget, and sticking to it. I think it has finally stuck. We told her to take the same amount the government was garnishing and put it to her other loans, using the snowball effect sort of.My real question is: Is there anything she can do to help get the insane interest fees back down closer to the original amount she took out? I am not sure of the current state of all her loans, I think she had some Parent Plus Loans, Some Stafford Subsidized, and Stafford Unsubsidized Loans, and I know of at least one private loan through a bank. Does she have any options to reduce the interest? She is feeling quite crippled and I dont know how to help her.Is it best to go through a service like SoFi to consolidate all her loans and get a better rate?Edit: She is a high school English teacher making a little less than 40,000 a year.  <response>: Is there anything she can do to help get the insane interest fees back down closer to the original amount she took out?No. She let the loans sit there, accruing interest. Not paying them also probably added on collection fees that she has to pay down first as well. She is a high school English teacher making a little less than 40,000 a year.She should look into public service loan forgiveness if a good portion of it is federal and under her name. 