<prompt> Human: The loans range from 3 - 8. The high interest ones are the ones that her parents took out and account for about 23s of the debt. Currently she is living at home and is making about 60k a year but has to commute from 1 hour to 1 and a half hours. I have checked some websites and believe that you cannot consolidate Stafford Parent Loans. Please correct me if I am wrong. So basically she is paying her parents loans first due to high interest before attempting to tackle hers. She knows that her parents probably used some of that money for their own purposes but she is still willing to pay for it. Her parents arent in the best financial shape but has a lot of money overseas if only they asked one of their relatives for it. technically it was suppose to be one of the parents but heshe decided to let their relative keep it.I do want to marry this girl someday but her debt is not something I look forward to.Would it be possible to take a lower interest loan and pay off the parents debt?  <response>: What does your short term girlfriend think about all this? 