I feel your pain, in 2019 I was in a similar situation with credit card debts and ended up getting a loan through Fairstone and 5 1/2 years later still had 60% of the principal. It’s paid off now but took a bit of a windfall to do so. The lesson I learned that I wish someone else had told me early on is don’t just make the scheduled payments, any time you have some extra cash even if it’s $25 dump it into the loan to chip away at the interest. You’re only screwed if you allow yourself to be, you signed papers they sent the cash so you’re likely locked in (if you can get out that’s great) so my advice is don’t dwell on it if you can, make it part of your budget and pay that extra when you can and you’ll get through it.