I have 630-ish EQ (cleanest), could get to 650 or so if I get rid of some high-util AU cards...

What are my chances on an non-govt backed student loan, and anyone have any recommendations?

Also, Mrs. Wife has a very clean 680 or so (high util) and she could co-sign....any thoughts?

I was thinking maybe Sallie Mae cuz I have some accounts with them in good standing......?