I have a total of $32,000 approx. including principle and interest (variable 11%). Payments of $463 are going to begin in a month. I also have a small chase, suntrust, and government loan. My rent is small but I simply can't afford this.

Are there any options for consolidating the sallie mae loans?

Are they private?

Sallie Mae won't let me consolidate my private loans. I have 5 loans totaling 50k. Seeing that you only have 32k and pay $463, I'm worried of how much mine are going to be....