Ok so my wife graduated 2 years ago, then went back for 2 quarters because of the job market. Then she finally found a job about 6 months ago so she did not keep going to school. So all her student loans were in forbarence until now and the bills have started to roll in, and WHAT A MESS! There are 10 seperate loan amounts with 8 different interest rates, through 4 different finacial instiutions, and 5 seperate payments, that total more than our morgage. So basicly we/she needs to consolidate them and seems to be haveing trouble. She applied to 2 differnt places online and has gotten no where. So does anyone have any input or options we can try? Id like to get one payment down to about $325-$375 a month. Right now she has loans through AES, Fed loan, Sallie mae and I forget the fourth one right now and non of them will consolidate the others into them.