Not trying to be an ass...but if you're scoffing at a high payment just because it takes all of your extra money...you may never pay off the debt. Tighten the belt, get rid of anything extra...eating out, cable, quit driving, ride a bike or walk, take the bus...if you have an extra nickel, send it to them. Otherwise, taking a lower payment because it's easier...well, get used to being in debt.
Paying off high interst debt is difficult. Get used to the BARE MINIMUM for yourself.