Anyone have any suggestions on the following.... My fiance has been supporting herself since she was 18, yet she was not considered independent until 24. Therefore she could not get federally funded financial aid for college (she got a couple grand, but nothing major). Anyway, since she was not 24 the fed gov took her parents income into consideration when assessing her needs... however they did not take into account her parents debt! Without getting into too much personal financials, her parents could barely afford to pay the minimums on their own bills, let alone help their daughter pay for school. What a shitty hole to fall in. Anyway, my fiance is now about 65K in debt with 95% of that being through citiassist (not federal/stafford loans!)... which makes them unable to be consolidated. Has anyone else been in this situation? She is an English teacher with payments about $650/month! We are looking for ways to reduce these payments or at least the interest rate (currently around 6.5%). Thoughts?
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