The rate I am paying is @ 8.25$ Vari. This amounts to close to $1000./mo which means that my whole paycheck is going to Key. On top of this I pay for my Daughter, Credit Cards (lived off of them in College), food, room rate for my base, insurance, and the list goes on... I am in forebarance and the interest rate keeps hiking up! I haven't really looked much because most of the consolidation programs are tailored to federal loans. My main question is; does anyone know of a credible bank that would buy this loan in excess of 100k? Many of the banks I have seen wont touch it. Are there any recommendations?