<prompt> Human: I have 73k total in private student loans with Wells Fargo. I desperately want to get away from them because of my interest rates, 7.5, 10, 11.25, and their predatory behavior. I actually dont have a problem paying the loans with a salary of 71k but I know I could be saving so much money if I could get my rates down. I am also at my wits end with their practices, like not dispersing my payments to the 11.25 loan at all.About a year ago I applied for a consolidation loan at CUgrad after being turned down for the same at Wells fargo. It basically finds credit unions that do student loan consolidation and applies for you. I got denied from 2 credit unions and that was that. My credit score was lower, my debt was higher, and I made less than I do now. I tried again just yesterday and still got turned down. I do not have a credit worthy cosigner. My dad has his own debt and while my mom has good credit, she does not make enough.Are there any other options for me? Either getting away from Wells or lowering my rate would be great.  <response>: You should look into your credit reports annualcreditreport.com. There may be something there thats causing them to reject you if youre an otherwise good credit risk loan-to-income ratio, decent salary and employement, etc. 