My friend completed her degree in art, however she was unable to get a job in that field and is currently working as a catering manager. She is making a minimum payment that she is worked out with the bank, however this minimum payment does not cover the interest, and her loan balance has increased from $50,000-$75,000 over the course of 10 years. There is basically no light at the end of the tunnel at this rate.

She really wants to pay these off, but the principle is it going down. Are there any government programs to give her a incredibly small interest-rate? Or anything? She is pretty much resigned to being in debt for the rest of her life, and I am trying to help her as much as I can. But I don't know anything about this topic.