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Federal loan consolidation doesn’t have a credit requirement, and it offers the benefit of a single loan bill and potentially lower payments.If they are government subsidized loans, as some Sallie Mae loans are, then you have some good options for dealing with the debt.See The Ultimate Guide to Dealing With Student Loans You Can’t Afford. Lenders require a cosigner to go after when the primary borrower can't afford the payments.I am stuck because my father is cosigned on most of these loans and they will try and collect from him if I do not pay.Andy Click here to get my free my weekday email newsletter with the latest tips and advice on how to beat debt and do better financially. Dear Andy, The first step would be to figure out if your Sallie Mae loans are subsidized loans or straight private student loans.