Have $10K in debt owed to university from 2016... where can I get a personal loan to pay it off?

If you get another job, you will be too tired to watch much TV. Hulu and Netflix will be fine.

Does your friend help with rent and utilities?

I agree, throw as much as possible at the payment monthly, you could probably pay it off in about a year if you can pay $700-800 a month, plus your tax refund.

Specify with the lender that you want the extra payment applied to principal.