Well I do. I'm graduating with about 100K in Federal loans and 40K in Private loans. It is terrifying. (because I don't have 140k). In fact I'm not even sure how to get that kind of money. Anyway...
If you have more student loans than money then I have just the place to go.
GRADUATE LEVERAGE. (GL). GL is a not for profit loan consolodation conduit. It was started by a group of Harvard MBA students who were fed up with the 3 card monty games that loan consolodation companies play.
If you give these guys/gals your SSN (scary I know...but they are trustworthy...check them out on the
Better Business Bureau). They will look up all of your loans, then tell you who has the best deal--and how to go about applying for it. In many cases they even do a lot of the paperwork.
In case you aren't hip on what is going on with consolodation--there is no more fixed rate options for us borrowers. However, GL was able (by using "leverage") to get last years lock in rates 2.85% for this years borrowers.
This is pretty involved and there are a lot of issues...but look into consolodation. And when you look. Shop around, then compare these guys...they will be the best deal by far.