student loans and private line of credit.

by Sarah
(Halifax)

Hi I currently have a large student debt (~60,000) part of that is in government loans and 18,000 is in a student line of credit. The government loan rate is about 10%, and the line of credit is 6.25. In addition I have wanted to get my cosigner off of my line of credit, but the bank said that to do that I would need to take out a personal loan to pay it at a higher percent ~9%. Currently I don't work, I have an at home mom since university, my husband is employed and we can make the payments okay, we also have about 70,000 in equity on our house. I am just wondering if there is a better way to go about paying these loans. Is consolidation at 7-8% even a possibility?