I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. 
I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.