Seeking help for student loans

[Michael Swope]

My girl friend is in student loan debt. She is having an issue with her student loans (federal and private) and doesn't see the light at the end of the tunnel and can tell she is lost on how to get out. She has a decent job making $70,000 annually but living in San Francisco with the cost of living takes a good portion of her income. Wanted to reach out to the community to see if anyone had any ideas on how to refinance or of any programs out there. She has tried to consolidate her loans through sofi and other companies but with no avail due to her debt to income ratio. Any help would be much appreciated. 

Some details on her loans; 

Federal Loan 

        1 $30,362 @ 6.875% Monthly payment of $200

Private loans

        2 $10,151     @   5.75%  - Monthly payment of $85

        3 $38,119     @   12.125% -  Monthly payment of $445

        4 $37,116     @ NA  ("written off as bad debt with the hopes of statute of limitations") not sure if that applies to private student loans

        5 $14,145     @ NA  ("written off as bad debt with the hopes of statute of limitation") not sure if that applies to private student loans