<prompt> Human: I have 9 separate student loans with Wells Fargo that I accrued over my college career. My current minimum payment is 590.00 a month. I have been making my payments on time, and more than the minimum, over the past year to get caught up on being behind. The problem is, I wanted to consolidate my 9 loans into 1 so that I could A lower my monthly payment and B not have 9 loans show up on my credit report.My father cosigned on my loans, but because of my parents divorce, his credit has been destroyed, and he does not want to cosign on the new loan Wells Fargo offered me to consolidate. I cannot take out the loan with them myself because they said my credit is 580, and too low for them, despite me having a job that pays 500 a week and my paying on time for over a year.So, my question is, are there other institutions like a bank that will give me a 60,500.00 loan to pay off Wells Fargo and lower my payments? Im in desperate need of a car and a place to live on my own, but cant afford any of it because Im constantly trying to pay off these loans.I can prove Im making steady, good money, and that Ive made my payments on time for over a year. What can I do?  <response>: You only make 25kyr and have 65k in debt and you have a bad credit score. I dont think any private lenders are going to refinance your loans without a good cosigner. Sorry.You can try Sofi and Earnest or Discover or Citi or Citizens Bank and see if theyll approve you ... but I wouldnt hold my breath. 