<prompt> Human: First of all, I have a lot of regrets. I feel very stupid for taking all this on. I will not let my children make the same mistakes. My wife and I went to a private institution, she got a degree in education, I got one in social work. She has around 41k from that, I have around 64k. Hers are through Navient, and broken up into 8 loans with an average interest rate of 5.26. I consolidated mine through mygreatlakes and they have a 5.75 interest rate. I made the choice to get my masters degree, and now have an extra 31k, also serviced through mygreatlakes with an interest rate of 6.21.I got a 9k raise after getting my masters, which still only gets me to 37k gross. My wife had a 1 year position last year, but this year was unable to get a full time job. She is subbing for 80day. I have 7k in student loan reimbursement that I didnt end up using and is sitting in my bank account. I want to put that towards this stuff, but Im unsure of where to put it or if it matters. I have no idea what to do. It doesnt seem possible to pay this off. Assistant: Attack it now. You are accruing 20 a day, 140 a week in interest everday-Thanksgiving, Christmas, your birthday, everyday. Think about that when you want to go to a movie, restaurant, or Starbucks. Setup automatic payments through online banking. Pay something towards the loans no less than once a week. Never give up and never slowdown your payments. Get mad at the debt. Dont buy a new car until youre done. Good luck. Human: If I were going to pay 400 a month, would paying 100wk be any different?  <response>: yes it does matter as there is 52 weeks meaning youd pay 5200 not 4800 like your alluding too.There is 52 weeks the extra 4 weekly payments will save you a shit ton in interest. 