So long story short, I was dumb and took som education loans out for school that I shouldn’t have. It s abig scam that the school is shutting down for, but I owe around 40,000 in private loans with a terrible terrible interest rate of 15% its basically ruining my life and almost everywhere I call says they don’t consolidate private loans (prolly because the economy) Does anyone have any suggestion or info. I also have about 30,000 in federal loans which I have consolidated and its about 5.something% interest and its not to bad. Any ideas help…suggestions….bankruptcy?