Student loans

I have both private and federal student loans from undergrad and law school... I was wondering if you have any advice as to how best to manage this debt? I'm 28 and single so my financial obligations are otherwise relatively minimal for now, but due to my debt-to-income ratio, I've been unable to really lay away much in the way of personal savings in the 3+ years I've been out of school, let alone start saving for retirement. I'd really appreciate any advice you might be able to give to someone in my situation. Thank you! Kira, New York, NY

My fiancée has a student loan that defaulted but is now paying on it every month. She has been told that it can't be rehabbed because of the default (even though others that have defaulted can rehab a second time). She doesn't make that much money, and she is filing bankruptcy because of various debts. She knows she can't bankrupt the student loan. What are the options other than making regular monthly payments, or not paying? Brian, Waterville, ME

The countdown begins in Washington to come up with a budget before midnight tomorrow, and one place cuts could come from are federal student loan programs.

I co-signed a friend's private graduate student loans in 2005. She was an international student, which is why she needed the co-signer to get approved. In 2007, she had a stroke and moved home to Costa Rica. She hasn't gotten a job and taken responsibility for paying the loans since then. How can I get off of the loan agreement as a co-signer? Ryanne, Washington D.C.

My husband and I have extra money each month, a healthy emergency savings account, and we save for retirement through our work plans. (I should point out we are in our 20s.) We recently bought a home and now have a mortgage of $130,000 at 4 percent interest. We also have approximately $80,000 in student loan debt for our graduate degrees at 6.8 percent interest. With our extra spending money each month, should we tackle the student loan debt first? Pay down the mortgage? Both? Or some other option? Carolyn, Duluth, MN

We have a student loan for our daughter of about $120,000. Should we use our retirement funds to pay it off? Our house will be paid off in 5 years and we have about $20,000 in revolving debt. Please advise. Thanks. James, Houston, TX

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President Obama's aid to student borrowers is okay. It will allow graduates to consolidate and reduce the interest rates on their student loans. It...