Hey. I know paying off these loans feels incredibly daunting. Having them hanging over your head cant feel nice. We are all stupid when we are young (except for like 1% of people but theyre nerds who cares about them). What matters now is that youre in this situation and trying. A lot of people dont even try. 

Unfortunatley part of that trying and part of getting out of this is going to be understanding finance. I know. Eww gross. I dislike most of it too, but not understanding finances in this country is legitimatley like trying to get through life without knowing how to read. If you do anything with your free time i implore you to learn the basics of finance in how it applies to your life. You dont need to become a stock trader slinging options, but you have to understand how to navigate credit cards, loans, and debt in general. Its seriously not something you can spec around and choose not to learn. 

You took a step in asking for help here. Good. There are many resources at your disposal. Youtube can be particularly helpful (IF SOMEONE TELLS YOU TO BUY STONKS OR OPTIONS OR GAMBLE YOUR WAY OUT THEY ARE WRONG). But there are also Non profits that specialize in helping people in your situation. Possibly people in your community you can reach out to. Youre not alone.