Trust me - I wish I was joking.

No, actually, my high school did not teach personal finance. My "guidance counselors" were a big joke, they had no presence in the process of choosing a career/school. While they did say that going to art school was taking a chance, they really didn't assist in exploring other options. And as for college, since it was an art school, there was no talk of how to manage your finance - only how to make and understand contracts for when that magical job would appear.

I understand his position of not wanting to co-sign, but he's not even on board to apply and just see what is offered (cosigner release, reduced payments) to really get an idea of how we can alleviate this burden. I understand a lot of these companies will run a credit check, so I didn't want to apply to a lot, just one or two to get a sense. But it was his reaction that really hurt - I just felt he's shrugging it off and allowing me to continue drowning.

We live with my mother and she is graciously not requesting any rent money because she knows we're hard on money. There's really no savings, except what my husband has made with his on-the-side art business customizing figures. However, we would like to keep those funds more as an emergency. (there's about 2-3k in there last he told me)

My lender has been threatening to garnish wages for years - but I've always managed to give just enough money for them to shut up, but it doesn't keep them from harassing me and my cosigners. They take over 80% of my monthly income, and I think that's just ridiculous.

This is more of a plea to see what other options I have, if any. I figured refinancing/consolidating would be the best option, but without someone to help cosign, it's still not possible.