School Loans are KILLING ME! Any Advice?

[Richard Villandry]

Hello,

My big goal is to get into REI at some point (sooner than later). Before i do this i want to get all my personal finances in order. I'm currently 27 yrs old and have around 70k in school loans ranging from 4% -12% interest rated fixed and variable. I have great credit and need to find a way to get the interest rates down so i can start putting a dent in these things.

Can anyone offer up some advice who has experience (or not) with refinancing or consolidating school loans? I would really like to have them all rolled into one loan, with one payment, around 4% fixed interest. Is this possible? Which types of banks are best to use for this, credit unions, big banks like BOA or online banks?

Thanks for the help!