Yours is a horrible situation — shared by many. I put italics around the worst part. Interest on the loan means that even though you were paying, your balance is more than double what you originally borrowed!
I am urging Congress to deal with this issue by wiping out most past interest and pay off only the original principal of the loan plus a smaller amount of interest. I will use your question as an example of how this issue impacts people.
Let’s hope that this spring the new administration will come up with a fairer approach to the program.