a few options
A. Make more money
B. get a government job
C. otherwise a good option (Not always the best) is to refinance and go under a Income Driven Repayment Plan.

This post was edited by Astroglide420 on May 1 2017 01:32pm

https://studentloanhero.com/ I read about this site on Reddit a few months back. Haven't used it personally but I do know that one of the hindrances to some refinance companies is private loans. They're a bit different than govt subsidized or unsubsidized loans and the 'protection' on the finance companies getting paid is different as well.

Hope this helps, gotta start paying off wife's loans next month too... thanks for reminding me!

Just go to a bank and get a loan. Ya bum.

He already did that, then went to school, now comes the part where he has to pay it. Paying a loan with another loan is usually a bad choice.

He went to a private student loan lender, not a bank. You can extend the amortization on the new loan to pay off the old one and have lower payments. As long as its comparable interest rate, how is it a bad choice? I used my bank to pay off my govt student loan and got a more flexible repayment plan and a better interest rate, opened up cash flow and saved me money. Yes longer amort means more interest in the LONG TERM but it can make life more affordable now (Which is OPs request) and you can usually make balloon payments on bank loans without penalty.

if you want some help with financing or refinancing your student loans inbox me. maybe i can help you sort it out.