
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.