<prompt> Human: A tiny background: My husband has private student loans through wells fargo. Several years ago we entered into a great deal of financial hardship and eventually we defaulted. We called multiple times prior to defaulting, asking for them to work with us but to no avail. Now, the debt is sitting on his credit report, which is making it difficult to get a home. They total approx 65,000. Wells Fargo will not report payments being made to the credit bureau. It will stay on there in its entirety until the full balance is paid. I have asked Wells Fargo for a consolidation but they say it is not an option. Does anyone have advice on getting a personal loan to pay off private student loans? Pros? Cons? Good lenders?  <response>: I doubt anyone will give you a personal loan with the fact you have already defaulted one loan already. Outside of family or friends basically impossible. 