<prompt> Human: Im 25 and have the following debts Im looking to consolidate into 1 payment instead of 5 each month.- Student loan 1: 3,876.06 outstanding 6.0 interest- Student loan 2: 4,630.61 outstanding 4.5 interest- Student loan 3: 13, 229.73 outstanding 6.8 interest- Student loan 4: 2,504.49 outstanding 5.6 interest- Credit Card: 6,000 outstanding 20.3 interest- Total Debt: 30,240.89 outstandingOther useful information:- Recently was promoted at my job and now make 55,000year base quarterly incentive bonuses- All student loan debt is under 1 company- Credit Card is BoA, leftover debt from the 8-month period between graduating college and starting my job a year ago. Only add 25month to the CC currently as I am required to use it once a month and obviously pay off more than that 25- Currently am paying about 450-500month total for all of these, about 100month over the minimum payments- Will use the extra 4,700 to build up my savings account, which currently sits at a meager 1,500- Will likely still pay the 450month towards the loan, just really want the lower interest rateQuestion: Does anyone have any recommended companies I can look at for loansrates? Currently looking at Bank of America and some local credit unions. Edit: Looking around local credit unions, it seems a 6 interest rate on personal loans for 30,000 is the standard  <response>: I highly doubt youll get a personalunsecured loan that will offer a lower interest rate from what you currently are paying on your student loans. 