conversation: User (AboutToSnap): "I have around 18k in student loan debt, broken into 5 loans:\n\n* 4K @ 5.0%\n* 4K @ 5.0%\n* 2.5k @ 6.9%\n* 3k @ 6.9%\n* 3.5k @ 6.9%\n\nI was somewhat conservative in my college choices and went to public state schools for my bachelors and masters, and this is all the student loan debt I have left. I haven't given this debt much thought or tried to pay more than the minimums since is a relatively small amount, but I'm trying to "clean house" in terms of finances, and I'd like to make sure I'm handling this in an efficient way. I have roughly a 760 credit score and enough income to qualify for pretty much any reasonable loan I apply for, but not enough free cash to just pay them all off quickly.\n\nQuestions:\n\n1. I am paying almost $25 in nonsense fees to make payments on these each month. Is this a large enough consideration to merit consolidation?\n\n2. My average rate here is reasonably low compared to some private rates I've seen. Can I realistically get a decent consolidated rate from a private lender? \n\n3. Should I be looking at alternate loan options vs consolidation? (e.g. home equity or line of credit or something else)\n\n4. Am I being crazy to even consider trying to rework such a relatively small amount?\n\n5. If this isn't a crazy thought, can anyone recommend a lender to handle this? (If allowed, not sure if referring a lending institution is permissible here).\n\n"
  Self: "I added topic flair to your post, but you may update the topic if needed ([click here for help](/r/personalfinance/wiki/flair)).\n\nYou may also be interested in:\n\n- [Student Loans wiki page](http://www.reddit.com/r/personalfinance/wiki/studentloans)\n- ["How to handle $"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n- [What's the best way to pay down my debt?](http://www.reddit.com/r/personalfinance/wiki/debt#wiki_what.27s_the_best_way_to_pay_down_my_debt.3F)\n\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  