<prompt> Human: Hey all,I have a question about consolidating my student loans. I have 100,000 in privately held student loans and another 50k in federally held graduate loans, which are not a big deal because Im on an income based repayment plan for those. My monthly payments on my larger loan is insane. Right now theyre held by Discover and Citi at 3.5. Does anyone know of banks willing to buy student loans because a lot are getting out of that business who might be able to offer a lower interest rate? My monthly debt-to-income is floating at 75. Sorry if this is jumbled!  <response>: Id chop off my pinky for 3.5 interest rate 