<prompt> Human: I currently have around 196,000 in private loan debt from Sallie Mae, broken out into four separate loans. I went to a 4 year art college in NYC and really really foolishly took out loans to pay for it all. I am currently making Interest Only payments for them, which come out to around 860 a month. I can barely afford that as it is and my career prospects are not looking up in the near future.My interest only plan ends in 2015 and the monthly payments are going to increase dramatically as a result, which I will definitely not be able to afford. My mom is the cosigner on the loans, so me messing up will effect her as well.Being on the brink of losing my current job ending contract has gotten me extra worried about my future, as it relates to these loans, and I guess Im just looking for some kind of advice on how to minimize what I am paying as much as possible.I have been unable to find a company or bank that will consolidate over 100,000 in debt, I dont even know if they exist.Any ideas, advice, thrashings for being such an idiot?Assistant: 45,398.13 with a 4 interest rate 54,526.28 with a 5.25 interest rate 49,221.31 with a 4.5 interest rate 47,751.14 with a 6.75 interest rateThis is how my current loans breakdown. Which, apparently, is pretty good for private loans.  <response>: Those are insanely good for private loans. 