Take an inventory of the loans, rates and payment amounts to get a handle on your situation. How much in total do you need to set aside each month? When will

Take an inventory of the loans, rates and payment amounts to get a handle on your situation. How much in total do you need to set aside each month? When will the debts be paid in full? Consolidating is a good option considering the low interest rate environment at the moment. Keep an eye out for fees, if you are aggressive about paying off your loans then it may not be worthwhile. Alternatively, you should be able to set up auto payments from each provider to deduct from a bank account.