Student loan debt overwhelms college graduate

Borrowers can consolidate federal student debt into one loan and stretch out the repayment term, but private student debt isn't nearly as flexible.

Dear Liz: I owe $75,000 in student loans. It took me seven years to graduate from college due to a car accident that happened during my second year. I am now 30 and doing all I can, working 12 to 14 hours a day, but I'm not making any headway. Most if not all of my loans have gone to collections. I get the phone calls, sometimes up to 30 a day. I need some advice on how to handle all of this. It is so overwhelming. Is it possible to consolidate all of this? Make one monthly payment to one entity?

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