<prompt> Human: Hi everyone. So my college roommate and I are making a budget to move into an apartment, but he has an large amount of student loans that hes trying to pay off. I was lucky enough to have support from my parents. He has about 150,000 in loans to pay over a 10 year period at a 9.75 interest rate. Hes managing so far because he has a good job with a decent starting salary around 65,000 and his parents are helping. What hes really looking to do is try to refinance below the 9.75 interest, which seems abnormally high. Does anyone know the easiest way to go about this? Or are there any institutions that can helpsupport people with similar problems?  <response>: Its really more his place to do this research. He can try to consolidate with a credit union. 