It is a horrible idea, but my other options are worse. I don't have a job, even though I've been applying like crazy to places. I have no money but owe hundreds for two loans every month. Right now my boyfriend's paying it off (we live together, it's really no different than a husband paying off things for his wife, just no marriage certificate). I would really like to get a loan to cover both of my existing loans. One is private, and one is a public Stafford loan. anyone know how i go about this? I've tried googling it...but i can't really find what im looking for.

You dont.
Getting a loan even with good credit right now is difficult.

If you are unemployed, you are eligible for an unemployment deferrment for your stafford loan. Also look at consoliating it with the Direct Loan Program.

Your private loan doesnt have these options....keep plugging away it it.