I have a private student loan with Wells Fargo Bank, Thus far they have attempted to collect my debt from ONLY XXXX co-signer. The one who happens to be the richest our of all of my co signers ( I only have XXXX loans and XXXX co signers ) I am trying to consolidate the XXXX loans. They have rejected the XXXX co signer I have ( My spouse ). I am an XXXX and do not have anyone else to offer up as a co signer. When I explained this to Wells Fargo, I was told that did not matter that I would have to find a co XXXX or pay the monthly payments as they are written out per the terms of the loan. I have gotten them to verify that they are charging me XXXX the interest rate that was agreed to. When asking for an explanation they had none. All I am trying to do is lower the payment, what they want and what I can afford are XXXX different things. Currently my XXXX in Federal Loans is cheaper that the XXXX I owe to Wells Fargo. Wells Fargo has admited to not contacting me to advise that loan payments were due, They contacted my co signer and advised him that he was required to pay the loan in full or be subjected to a negative credit report. Today I called Wells Fargo again attempting consolidate or re negotiate my loan pmts. I was told that there was nothing that they could do until I found a new co signer. 
