How'd you get off with just $640?? Including Federal, I'm just a hair over $1K a month!! Arghh...

P.S. You can consolidate your loans with another Lender w/o hurting your credit - Basically turn all your payments into one if you have several lenders...they'll probably cut your interest too. The majority of my debt is SLM, but Key will cut my interest by half come this summer when I consolidate.