I too have a Key Alternative Loan. I would suggest the book Total Money Make Over by Dave Ramsey. This book taught me to suck it up and pay the bad boy off. First off you don't want to resort to debt consolidation right now when if you cut say beer, eating out, new clothes, movies out of the budget and put it towards paying off the debt you can probably make it.

Debt consolidation really hurts your credit. Not saying its a bad thing to do but give starving a try first. I used to sit at the end of the month and wonder where all my money went. Now I sit at the begining of the month and tell my money where to go. I have 3 credit card payments, car insurance, $640 key payment, $450 rent, and a $123 cell phone bill. By sacrificing a lot and budgeting very tightly I am able to make it through first year pay. I was a TSA and now am in training at AWAC.

Get that book its amazing and a good read! Good luck!