<prompt> Human: I feel like this debt is going nowhere and I pay 229 every month have been for quite sometime. Screenshot 2 is from mint, screenshot 1 is from Navient across all loans for all time. My interest rate is 4 last I checked. Seems crazy my balance has only decreased by 1,464 in 2.5 years paying 229mo. Thanks in advance! EDIT: Sept 16, sorry for being misleading.EDIT2: WOW! Thanks for all of the helpful stuff everyone. I have 2,900 in CC debt that will be gone next paycheck and the rest of them will start hitting this debt head on yes I have 4-6 mo of expenses in an emergency fund.Assistant: Because, at 4, a balance of 40,000 will generate 1600year in interest.With your 230 month payment, youre paying down 2760 per year.You are barely keeping up with the interest and you should be making larger payments if you are able toHuman: Geez 1,600 in just interest. I guess that is right. Bummer. I am in a spot where I can pay 2,000mo towards my student loans now and live very comfortably. Should be able to knock them out in no time. I notice that Navient has a place for pay additional principle. Is this where I will add in the extra 1,700 I plan on paying each month?  <response>: If you pay 2,000mo total at 4 you will need 20.4 payments to be done. So a little less than 2 years. 