Let’s Shift the Focus

If your day job doesn't make enough to pay off your debt, start looking for temporary side hustles to bring in extra money. MM memo/Shutterstock

Dear Dave,

I graduated from college six years ago with a business degree. Currently, I’m in data analytics making about $40,000 a year and have $155,000 in student loan debt. Do you have any recommendations as far as refinancing my student loans and getting the interest rates and monthly payments down?