<prompt> Human: I graduated this past November with about 100k in student loan debt. Fortunately I was able to accept a job a few weeks before I graduated making 75k with potential for more each year. My loans are private loans through Sallie Mae and the interest rates are high. Its broken into 3 different loans with 3 different interest rates 7, 10, 11. So each month, Im paying a total of 1,100.00 in payments.What Im wondering is, what can I do to consolidate these into 1 payment and hopefully pay a much lower percentage rate and monthly payment. I see some people on here are paying less than 600-700 a month in student loans, I would love that. Any help would be GREATLY appreciated. Things to note: I have no other debts. Although Im only 24, Ive been with my bank BBT for 9 years. I live in a big city but I live modestly and invest money each month.  <response>: Loan A Priority 1: Balance: 43,076, Rate: 11.0, Mo. Interest: 234, Mo. Payment: 488Loan B Priority 2: Balance: 46,153, Rate: 8.5, Mo. Interest: 188, Mo. Payment: 454Loan C Priority 3: Balance: 21,849, Rate: 7.25, Mo. Interest: 74, Mo. Payment: 199If you make minimum monthly payments from here on out, you will pay 95360.90 in interest alone. It will take you 15 years to pay off your debt. If you paid an extra 100 towards Loan A a month and used the avalanche method of repayment, it would save you 20,000 in interest. You would also have it paid off a few years sooner. And extra 500 a month would save you 50,000 in interest, and youd pay it off 5 years earlier.If you managed to get your loans consolidated to one loan for 111078, with a rate of 8.75 and paid your current rate of 1141, it would save you 10,000 in interest. My advice is to throw every single penny you can into these loans. Try and consolidate them. Ask your bank if they have a consolidating program. If you have good credit, and you can consolidate the highest one to below 10, youve already come out ahead. I dont think youll be able to reduce your payments much, though. Your best course of action is to see if you can consolidate. If you cant, try to pay 1000 extra towards your first loan and get that paid off in three years. Then take the 1488 you were spending on that loan and apply it to loan B. After that is paid off, throw everything towards loan C. Youll pay only 28571.96 in interest and be debt free in 5 years. 