I want to consolidate my student loans

Have a look at this link. There's some useful information about consolidating student loans.

http://www.debtconsolidationcare.com/student-discussion/useful-info.html

Someone with more info will read your topic and give better suggestions.

Hi Maggie,
I just answered this question for someone else. I did a little research about private loans. Basically the only option that private loan students have is to basically consolidate/refinance and try to seek out a lower payment. Here is the direct link explaining options for consolidation for private loans.
http://www.finaid.org/loans/privateconsolidation.phtml

Just please be aware that this site is being sponsered by citibank and they have just recently been exposed as 1 of the worst offenders along with Sallie Mae for offering the very worst loan options for the students.

"Student Loans

When Student Lenders Compete, N.Y. Wins
Colleges and college aid officials have been funneling their students to big banks like Sallie Mae and Citibank in exchange for cash, gifts and in-kind benefits, according to a series of recent public investigations, the most energetic of which is being led by New York State Attorney General Andrew Cuomo."

If you can sort through this next link you will see where I have several links to news stories reporting on the very worst lenders for students to work with.
http://www.debtconsolidationcare.com/student-discussion/about26273.html

So whatever you do.....do not turn to citibank or Sallie Mae for refinancing. I hope this information helps some.