I have a grad school loan of around $43,000. The interest rate is 4.75% and I can only afford to pay $300 a month, which barely covers the interest. It is a degree in the arts and I have never been able to pay more than the $300 a month. I let the interest roll over the first few years foolishly, but started making regular payments in 2005 and I have only paid the loan down a thousand bucks from the original amount that I graduated with back in 1999. I am 41 years old, have no savings, and I work in the arts and fear that I will be paying off this loan into my 60s or 70s. What can I do to get this monkey off my back faster beyond the obvious -- paying more each month? — Name withheld, Jersey City
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