I graduated in 2005 from my undergrad with about $12,000 remaining on those debts at 4.5% interest.

I graduated from law school in 2009.  I have remaining $78,827.00 in federal loans at 6.8% interest serviced by ACS and a private loan with Citibank with a balance of $14499.00 at 3.25%.

All together the monthly payments are about $760.00 per month.  I make about $65,000 per year, my husband makes about $85,000 per year (his loans are all paid off).  I have never missed a payment on any of my student loans, but I’m depressed at the rate they are getting paid.  In the last year, only about $3,000 or so of principal actually went down.  It makes me want to throw up thinking about how much interest I am paying on these loans.  I want to pay them off, but the 6.8% interest rate is just killing any progress on these amounts.  I’ve done research, asked my former student aid office and no one has any solutions.  It seems like I should be able to consolidate the 6.8% interest loans to lower that interest rate?  But I can’t find anything.  I’ve looked for public service jobs, but they are few and far between for the legal field.  Any help would be so appreciated!