I'm currently in a weird situation - I have a large amount of accrued debt (85k principal, ~15k accrued interest so far), spread amongst multiple smaller student loans. Some are federal stafford loans, which were taken out at Max, and some are large private student loans.
Currently, I'm paying them at minimum through each loan, and paying some money directly to the principal whenever I can. The problem is that with so many loans (8 different loans through four different lenders), it's very easy to forget and miss a payment, and I may have been late once or twice. (wince.)
Ideally, I would pay a larger lump sum every month with a fixed rate consolidation loan - but I've done some investigation and the largest sum I could find through a reputable agency was for 25k. The other issue is that I currently don't have any collateral, and my cosigner is less than willing to sign again.
What options are there for consolidating a large amount of student loan debt?
Edit: I have considered federal consolidation for the Stafford loans, but that's only a drop in the bucket compared to the private loans.