I truly hate SLM!!

They are nearly as bad as EX.

I have a loan, private career training at 15% interest variable, I pay on time and more than the minimum,

The problem here is that most of my payment goes to interest and very little to the principal.

After making 2 years of payments, I have only seen the principal move by 200 bucks.

I have asked them to lower the interest. But they say that it is non negotionable.

SO I would like to take out a regular loan, pay off SLM and pay someone like USAA or NFCU instead, at a lower rate and have it paid off in 3 -4 years instead of the 20 that SLM has got me in for (20,000 for life of loan on 6,000 loan).

Does anyone believe this is possible, have an experience, thoughts or advice???

Also, mods, please move if you feel this is better addressed elsewhere.

Thanks!