There are no free lunches. There are no free loans from commercial lenders.
This calculator shows you how much interest you will pay on your loans. You fill in the information on amounts owed, interest rates, and monthly payments. Click. You will see a graph on the amount of money in interest you will pay.
If you enter new information on larger payments each month, you will see how much less money you will pay in interest. This is a productive exercise. Get motivated!