When thinking about your repayment, now might be a good time to consider loan consolidation options.  It can be much easier to manage your debt when all of your student loans are brought together into one loan.  Student loans consolidation can be the best solution for those who require help to manage their debt.  The only risk is locking in a high interest rate, so it is a good idea to do plenty of research for current and prime rates to get the best consolidation loan students can get.  By locking into a low student loan consolidation rate, you can potentially save thousands of dollars in interest fees over the life of the loan.