When I went through it about 10 years ago, I took out an unsecured personal loan for 2.5% and used the cash to "pay off" my student loans. Then I just had a $5

When I went through it about 10 years ago, I took out an unsecured personal loan for 2.5% and used the cash to "pay off" my student loans. Then I just had a $500/mo payment until I was done with it. I was making about $35K per year but was careful to have excellent credit. It can be done.