In our ebook Reduce Debt Reduce Stress, we talk about negotiating with creditors as well as consolidating debt to get a lower interest rate.
You can certainly try talking to the creditor to find out whether you can get the rate down to something that is affordable. But since you haven't given us much detail about the loan I don't know whether the lender will work with you or not.
You could also try consolidating the debt with another lower interest rate loan, but whether or not you will qualify for one depends on your credit scores and your income situation.
I do believe you would find her e-book helpful in understanding your options, and you are welcome to provide some additional information here if you think that will help us answer your question.
