The first two sentances were helpful, thanks.

I will just continue for now with the Key Loan, then. It is still in a non-payment status, and I am paying the interest. When it goes into repayment, I will think about using my home equity. I am in a better situation than my parents, and there is no way in hell I am joining the military. I really don't think that joining the military would help me anyways.

I am not sure how looking for a better interest rate is looking for a miricle. That was not really a posative or helpfull statement.

Anyone with ideas about the federal loans?