I went to Belmont today; NOTHING they can do for me. I spoke with a financial adviser who later on in our meeting (after many "I've already tried thats") asked his supervisor if he knew of anything in case there was something he was possibly overlooking. Their final suggestion, you ask? Try consolidating again, here is a list of places who offer it. My reaction? Here is my pile of rejection letters from every lender on your list. So disheartening. Over it.