Student Loans

I think the key to paying any loan off quicker is sticking to a strict budget. Any extra money you have at the end of the month could go towards your student loans. If you still find that you are not paying the loan off fast enough, you can always get a 2nd job, do some freelance work, or ask for overttime at your current job.

Have you tried qualifying for a deferment, forbearance, or maybe even checking to see if you qualify for loan forgiveness? If you can get a deferment, your interest might not be applied to the account during the deferment period. If you can pay more than the interest, it will go directly to the balance which will reduce the amount you pay in all. Another option is to see if your student loan holder has an income-contingent repayment plan. In other words, your income determines how much you have to pay back. In some cases, you will not get your entire loan paid back in the maximum repayment period and the rest will be forgiven. Other than that, I would consider getting a second job and use all the income from that one to pay off the loans.