This is more than 4 years since you got your first student loan. You have been approved to go to one of the major universities in your area and your student loan was not good enough to get four years of college. Now you have your bachelor's degree and / or ready to start looking for a job in the real world, but there is still one big problem that you must address and it is paying back your student loan. If you stick with your current option is to get you a very long time to pay back the full amount, but there is one trick that you can do as far as reducing the amount of time it will take to repay the loan, and that is to refinance your student loan.
After having completed your lender required by law to give six months grace before calling start paying back the loan. You're given this time, because this is the time to start looking for work and if your lender to fully explain the loan for you and you realize that if you refinance your loan during the grace period you are given an interest rate that is usually more than 0.5 % lower than if you waited until after the grace period of repayment of your loan. This lower interest rate will be reduced for many years from the time of your loan. So, just to refinance during this six months time zone you will save yourself many years of payments on your student loan, so I look and see the student loan refinancing should be done a lot of knowledge of your loan.
Also remember that not all student loan companies are in the same way, and some of these companies even offer incentives much lower interest rate if you repay your loan every month, three years in a row with no late payments. In this case, it really pays to be on time.