Need Help

i want to start by thanking everyone who takes the time to respond.

stuck with a bad private (sallie mae) student loan from when i went back to school. lots of promises-but sadly nothing in the field panned out. long story short a bachelor's and a certificate degree, and i'm not doin what i want (for pay that is).

13k 10.25% variable (prime+2). i get these suspicious offers in the mail from time to time. in addition to those mailers on federal loans which i dont have.

what can i do? (no home mind you). any reduction would help, i'm covering interest right now as it is.

thank you again

Ryan

Is the private loan eligible for consolidation? This might lower your interest rate, and/or extend the repayment period.

I owed very nearly $13k (after paying down from $55k) when I consolidated, making my monthly payment in the realm of $130/mo (15 years around 5%-ish). That's doable, even on a minimum wage salary.

how would i find out if it is? pardon the ignorance...

R