JonBoyOhBoy

Check out this website: http://www.direct.ed.gov/student.html You can set up an account and it will tell you all of your loans and the amounts. I don't remember if it gives you the monthly payment for each or not, I actually got those numbers from my credit report. Then, go here: http://loanconsolidation.ed.gov/ This is where you enter all of the individual loan information from above and it will tell you what your payment options are to consolidate. Hope this helps. In the online loan calculators do you have to include any interest or do you just include the principal amount borrowed? My unsub loans have been accumulating interest

I will be graduating shortly with about 120K in debt (stafford loans) I am older and work, I make about 80K a year, but after paying rent, supporting a wife and 2 kids, car payments etc, there is hardly anything left. How much will they expect me to pay and what is the absolute minimum amount they will take? Woud I be able to defer payment until I am in a better position financially or will they not allow it because of my income. I know 80K may seem like a high income but in NYC its poverty