<prompt> Human: Im not sure what she can do. She makes 72k a year on her own, and this loan is at 3.86 interest compounded on the interest that was already added. I dont want her to live out the rest of her life paying off this loan in 900 increments every two weeks. Shes already consolidated it and it hasnt helped. She wasnt eligible for the pay as you go plan. Please help! Any advice is appreciated.  <response>: She makes 72kyr?Shes spending too much money somewhere else. She should totally be able to pay these loans off in a reasonable time. Yes, itll mean making large payments. But thats the hole she dug for herself. 