Short of going to small claims court, there is an alternative that can work well for situations like yours. (moneysense.ca)
Don't forget to read up on co sleeping for older children as well as for situations where you have a toddler and a baby both sleeping in the same bed. (abckidsinc.com)
Consolidation isn't right for every situation, and in some situations, it may be unnecessary. (myfedloan.org)