<prompt> Human: Eleven years of undergrad and medical school abroad left me with a hefty debt load. 150,000 RBC student line of credit at 4.4 interest and 100,000 Canadian student loan at 5.5 interest. I now live and work in Norway and make relatively good money. Paying back the loan is not hard per se, but not easy either. Looked into refinancing with a bank here in Norway but without 10 of the the loan or collateral it is not possible. I am wondering if anyone knows any tips or tricks to pay this back as easy as possible. Canshould I consolidate both of these with a different bank or refinance with a special type of institution? Finance is far from my world of knowledge as you can surely tell by my debt load and I just want to know if there is a better way to pay back.Thanks ahead of time for any info.  <response>: Well, 4.4 and 5.5 interest per year is already pretty low. You wont be able to get interest rates much lower than that, and surely not without a collateral which you dont have.So actually I think you should just try to pay it back as soon as you can focus on the loan with the 5.5 interest, of course while continuing to pay the minimum payment on the other loan. Check out and play around with the numbers a bit. Here student line of creditbalance_0150000payment_01000rate_04.4name_1Student loanbalance_1100000payment_11000rate_15.5 is what would happen if you put 4000month towards the debts NB you can change all the amounts, I assumed 1000month minimum payment for both loans, of course the real amounts will be a bit different. 