I too battle the Key Bank monster every month, it's almost predatory lending in my mind as to how they gave a 23 year old an $80k loan without asking any questions or thoroughly explaining the repayment process. That along with the flight school selling a dream makes it hard to resist. They never explained to me the process of how your payment stays the same, even if your interest (4.0%when I signed) doubles (to 8.26% now), meaning you could very easily pay for 20 years and never touch the principal.
Two ways to help out: 1.)start paying anything you can as much as you can, even before your six month grace period ends; 2.)pay any amount over your normal monthly payment you can. After four years of payments (no forbearances or other delays), my monthly payment of almost $500 will have $15.00 going to the principal every month, given that interest rate does not go up.
I too have shopped around and have not found anyone else that will give a lower interest rate. This is because the KeyBank loan IS NOT A TRADITIONAL STUDENT LOAN. If you declare bankruptcy, YOUR KEYBANK LOAN CAN BE INCLUDED IN THE BANKRUPTCY. Thankfully, I have been able to keep my head above water, but know many who haven't. But the reason the interest rate is so much higher than our friends with subsidized federal student loans is because of the liability the lender carries in being stuck holding the bag if you go bankrupt.

Kicking the soapbox to the next guy.................................