I hope that someone can help me, because I do not know what else to do. I went to see a consumer debt counselor today and they said that they could not help me. I currently have $48,000 in federal student loans and $200,000+ in private (or alternative)student loans. The federal loans have been consolidated and the monthly payment isn't too bad, but when I add up each individual private loan the payments equal almost $1,800 which is more than I make a month. The consumer debt counselor recommended that I look into bankruptcy; however, that is not an option since I have cosigner on the loans.