I have just under $20,000 in private student loan debt. I know this isn't much compared to some others. I pay $205 a month and realized that my total owed hasn't been going down. I looked at my online statement and about $60 of my $205 payment is going towards my total and the rest goes to interest. I don't struggle to make my payments, it just bothers me that it will take forever to be paid off at this rate. Anyone been faced with this issue and found assistance? I see things all over the internet, but don't know which to trust. Any advice appreciated. Thanks.