<prompt> Human: She has these loans consolidated and pays 1 payment each month. I have encouraged her to find out if she can get out of this consolidation program and pay each loan separately using the avalanchesnowball method.Is this possible? Does anyone have any experience? She makes great money but is totally burdened by this debt. I believe if she took some per diem work she could easily pay this debt down in no time with her normal salary, and the avalanche method with some per diem RN work...edit 1 sorry, new: For all her intelligence it didnt occur to her that consolidating and paying one payment would mean that the interest was most likely compounding in a bad way.My question is: has anyone here ever stopped a consolidation program and went back to having the separate loans to pay off avalanche style? edit 2 sorry x2: She has a single payment plan set up with FedLoan Servicing for 7 loans... She pays 1 bill for those 7 loans.tl;dr: what is fedloan servicing and how can you get out of a contract with them in order to start the avalanche method for student load repayment to the tune of 195000USD?I myself never had student loans but I work as a government drone so sometimes I am not kidding when I say Id rather be her! I started school as a nursing major but I dont like hospitals and didnt learn that until I had to be in one!  <response>: First step is to become interested in paying her own debt. You shouldnt have to convince her. 