<prompt> Human: I currently have a Sallie Mae Navient private loan balance of just under 16,000. Currently I am paying just over 200 a month which approximately 175 goes towards interest and almost nothing towards my principle. I could afford to pay a little more maybe 400 a month but with a 14.25 interest rate, I feel like Im being robbed every month.My wife has a plan to use a few of the multiple interest free 12-18 months credit card offers that weve received to buy out the loan and start aggressively paying it off. After finishing the interest free duration, we would transfer the balances again to other interest free offers and hopefully be done with the total sum in about 3-4 years. Is this at all a viable option? Are there other options I should pursue to get this loan taken care of? Im afraid this is going to turn into a logistical nightmare so I am looking for some options here. Any advice is greatly appreciated.  <response>: I could afford to pay a little more maybe 400 a month but with a 14.25 interest rate, I feel like Im being robbed every month.With an interest rate that high you should pay as much as possible extra each month. Its the equivalent of a guaranteed 14.25 investment return. 