First off, I can not consolidate my debt, I have t

First off, I can not consolidate my debt, I have tried multiple times. I have about 130K+ In student loan debt. Everytime I try I get denied no matter the circumstances. I pay about 1500-1600 a month to various student loan companies. My interest rates vary from 4 percent to percent. One of my loans in particular just looks fishy. I'm not even sure where it came from. Could you take a look at these numbers and see why the interest/principal payments fluctuate so much?

10/07/2011 Payment $421.39 $140.02 $281.37 $0.00 $46,687.63

09/09/2011 Payment $421.39 $119.19 $302.20 $0.00 $46,827.65

08/10/2011 Payment $421.39 $88.47 $332.92 $0.00 $46,946.84

07/08/2011 Payment $422.44 $138.39 $284.05 $0.00 $47,035.31

06/10/2011 Payment $422.44 $107.04 $315.40 $0.00 $47,173.70

05/10/2011 Payment $422.44 $96.33 $326.11 $0.00 $47,280.74

04/08/2011 Payment $422.81 $131.28 $291.53 $0.00 $47,377.07

03/14/2011 Online PMT Trans ACH WEB PMT AUTH FOR $422.81. PROC DATE:

03/14/11 03/14/2011 Payment $422.81 $39.19 $383.62 $0.00 $47,508.35

02/02/2011 Online PMT Trans ACH WEB PMT AUTH FOR $422.81. PROC DATE: 02/02/11 02/02/2011 Payment $422.81 $105.91 $316.90 $0.00 $47,547.54

01/03/2011 Payment $419.48 $69.55 $349.93 $0.00 $47,653.45

12/01/2010 Payment $419.48 $131.22 $288.26 $0.00 $47,723.00

11/30/2010 Online PMT Trans ACH WEB PMT AUTH FOR $419.48. PROC DATE: 12/01/10 11/04/2010 Online PMT Trans ACH WEB PMT AUTH FOR $419.48. PROC DATE: 11/04/10 11/04/2010 Payment $419.48 $58.84 $360.64 $0.00 $47,854.22 Thank you

1 Answers

Are these federal loans?  Who is the lender?  Why cant you consolidate with direct loans if they are federal??? 

Interest on the above loan is going to vary as it is calculated daily. At 4% it would be around $5 per day.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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