Don, I second what Bill says but with a couple of modifications. I believe I would mix rye with the oats. Oats germinate better and quicker but have a tendency to freeze out and die. Also, I get a better volunteer return rate on rye every year. Actually I have had the same erosion problem you are having. I "somewhat" solved it by hauling rocks for rip rap and throwing brush in the gully areas. The problem is that water runs downhill, picks up sand and soil and keeps going. I know one guy who laid hog wire along the dam. Another used the orange plastic fencing. I have seen the orange stuff used along Northern New Mexico roads to stop snow from drifting onto the road. It ought to stop sandy loam. I bought a gasoline powered pump to get my bermuda seed to grow. It made a big difference in the summertime.