Try sallie mae just make sure you know what rate they are giving you they tried to screw me over by telling me i was locked in at 5% but when I got the final letter before payoff it was up to 9% which was higher than the original loan was and made consolidating pointless. I was able to call them and cancel it though. I don't know why any bank would not touch it because student loans are guaranteed even if you declare bankruptcy, they can even garnish wages.