Look over your existing loan information carefully. Find your current interest rate and calculate how much interest charges you will pay over the life of your loan.
Compare loan offers from banks or consolidation companies. Figure out how much you will pay in interest under those other offers.
Consolidate your loans into one easy monthly payment. Contact online lenders or local bans and credit unions. Look for fixed rate loans rather than variable rate loans.
Make sure that your new loans have at least as many repayment options as your old student loan.
Choose which of your existing loans you want to pay off with your new loan. If some of your loans can't be beat when it comes to interest charges, then don't take out a new loan to pay for them.