<prompt> Human: Im 27, went to school and dropped out twice. Havent been to school in 5 years, but recently found out I owe 12K in private student loads. They offered to put me on a deferment, since I dont make much money. They told me that if I want to pay it all of within ten years, it would be about 106 a month, which would be almost all the money I would save in that month. If i pay less on a month to month, it would be practicality useless since the interest would continue to compound. Is there any way to resolve this without paying it off for the rest of my life?  <response>: Work more jobs. Most people I knew in the pizza industry had three jobs. At least a day job and a night job. If youre 27 you should be bartending at night to maximize your cash intake, then doing warehouse work or online work during the day, or maybe taking the McDonalds morning shift. You can make 40kyear doing this, and pay off your debt within, say, three years. 