<prompt> Human: Hello everyone, I am looking for some advice on student loan consolidation, or any other methods of tackling a bunch of debt.. I currently have a total of 11 loans, totaling just a little over 100k worth, and interest rates ranging from 3.4 to 9.74. These loans are serviced by two different servicing companies, one which gets a monthly payment of 781 and the other gets 281. These are the minimum payments on a 15 year payoff plan. I just graduated college and got a decent job, but I was kind of forced into moving out and living in an expensive area and will be stuck here for a little while. I make about 1,550 every two weeks, and have monthly expenses adding up to about 2,000 BEFORE student loan payments. I am working to reduce my monthly expenses, but I live in an expensive area and will be stuck here for at least a few more months. I have a roommate, but bills are still tight. I have about 8K in savings as an emergency fund.I am wondering, would it be worth it to consolidate my loans and have them serviced by just one company? Could I get a lower payment and interest rate? Where are the best places to look? Does anyone else have any pro tips for this type of situation? I am very grateful for any help and advice.Here is a current breakdown of my loans:Provider -- Amount -- Interest RateDiscover - 26189.09 - 9.74Discover - 25223.22 - 7.99Discover - 22823.33 - 8.99Direct Subsidized - 3590.09 - 3.40Direct Unsubsidized - 2552.19 - 6.80Direct Subsidized - 3568.42 - 3.86Direct Subsidized - 5500 - 4.66Direct Unsubsidized - 2192.26 - 4.66Direct Subsidized - 5500 - 4.29Direct Unsubsidized - 2091.49 - 4.29Direct Unsubsidized - 2235.98 - 3.86EDIT: My expenses are as follows Monthly:Rent: 1150 hoping to move out in about 6 months to something cheaperGroceries: 300Car insurance: 100Comcast: 100Electric: 120Water: 60Savings: 200Gas: 90Misc: 100  <response>: You arent splitting internetelectricwatergas with your roommate? 