So I have 3 private student loans at 2 different companies at 10.49%, 8.71%, and 6.70% interest. Aren't those illegal loans? I am drowning in interest payment because I become a pilot and making <$25,000. (Flying banners to build hours) I have tried to refinance but can t because of debit/income ratio nor can I apply for consolidation loans like SoFi that offer 2.5% how can I prevent myself from drowning in Interest?