Ok, that does totally suck. And, everyone is right, at 3% you would do better to invest. But, if you hate them, and want to be done with them right away that's fine too.
If you are paying $6,000 a month toward credit cards right now, and you redirect it to the loans they would be paid off in 21 months. Hey, even if you really "scale back" and start taking full length showers and put the heat up to 68 and spend $500 more a month, and only pay $5,500 a month, you'll be done in 22 months. Also, money isn't all or nothing. You could pay $3000 a month to the loans and $3000 to investments. You'd be done with the loans in 3.5 years, and have $126,000 in savings.
Honestly, I'm all for scrimping, but you've got to do what you feel like you want to. The cost of a 15 minute shower over a 7 minute shower and 65 v. 68 is probably not going to delay your debt payoff/retirement by more than a few months. Get the big things right (job, transportation, housing) and enjoy the little luxuries that matter to you.