I graduated from a small private college in Ohio this past May. As you can imagine I've been receiving the letters telling me that my student loan payments are coming due this December. At first I started looking to Consolidation. When I applied in July I was denied the agreement because I didn't have a co-signer. No problem some might say, just get a co-signer. I must explain my deal with co-signers. During my third year in school I took out a private alternative loan and had an aunt who VOLUNTEERED to be a cosigner. One of the biggest mistakes of my life because I have her constantly on my back about paying the 10,000 off so that I can get her name off of the loan. Mind you I just graduated and have only worked part time jobs so that I could pay the $100 a month interest payments.