Hello again Josh my son. I see you are struggling in finances. I pray that God will help you find a way to consolidate your loans for a low interest rate. You are a man of prayer a warrior of God. Concentrate on chipping away those loans down and becoming debt free. Lord you know your son and his needs, you will bring this together for good because Josh loves you. Teach him to be a good steward of his monies and I ask that you increase his income with a raise at work or some other method of adding to his income that is reputable and that is with your blessing on it. In this I give you thanks and praise. In your wonderful powerful name.