<prompt> Human: I have over 16,000 in private loans sallie mae, which is hard to tackle with my income 10,000year. Im living at my parents house for no cost there. I fear the interest rate of my loan is too high 10.20 APR, I even owe more money now on the loan than the original loan amount despite already paying thousands. Is there any way to reduce, refinance, or otherwise help my crippling loans?  <response>: The interest rate isnt the problem, its that you arent working full time. 