My husband and I are trying to figure out away for us to pay another bill. Have any of you worked with Sallie Mae to reduce the monthly payment, Is there away to consolidate them ? We are also thinking of refinancing our house and adding in the amount of the loan. Is there a site to estimate a monthly payment?? We have no other debt except out mortgage and this student loan which is causing “panic attacks”. Any ideas or suggestions would be a great help.