<prompt> Human: Im embarrassed to admit that I didnt catch this until now.My Dad was making small payments on two loans while I was in college and first starting out. I took them over a couple years ago once I got on my feet.When I first took them over, I didnt look to see what the initial loan total was - I just knew what I had to tackle and started making payments. The rates I saw on the statements looked reasonable, so I just figured that 40-50 of any payment I paid went toward interest, and the rest went to the principal.About 5-months ago, I was was like man, this balance isnt really moving so I bumped it up a bit. When I looked tonight I actually took the 30 seconds to find out about the the history of the loan, and boy was it was depressing.WELLS FARGO STUDENT LOANSBORROWEDLOAN-A 3.50: 10,000 2006LOAN-B 3.75: 5,100 2007OUTSTANDING PRINCIPAL BALANCE as of today:LOAN-A: 9,173LOAN-B: 4,797TOTAL PAYMENTS2016: 1,497-Towards Principal: 522-Towards Interest: 9752009-to-Date: 7,561-Towards Principal: 1,130-Towards Interest: 6,431The ugliest year was 2013: 1,950.96 in payments -- all of it to Interest.Im guessing my Dad didnt look at it closely either, as it appears he was paying 50-75month on it for the first few years before I took it over.Anyway, not exactly sure what the best thing to do moving forward is. Is this a nasty loan, or am I just a fool that wasnt taking care of it correctly? Should I try to refinance this debt elsewhere? Any advice is appreciated.---TL;DR--- 7,500 of payments towards a 15,100 Student Loan...Current balance as of today is 13,970.What do I do?  <response>: Your dad was paying less than the interest accumulated each month and you had to pay off the remaining interest before you could stay paying off the principle. 