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Messages - believe1nmagic

1
I owe over $110,000 in private student loans alone. My monthly payment is a little over $1,300. I tried to refinance, even with a cosigner who has excellent credit, but I keep getting denied due to my credit score (my average is a 661 or higher) and/or lack of income (gooooooo figure).

I am desperate in trying to find a solution to bringing down my minimum monthly payment. Any ideas or suggestions? I've tried Credible and got nothing out of it. I am at a total loss.

Thank you in advance!