We are friends with a young woman who just graduated college in May, and has close to $100K of college loans outstanding, 70% of them being private as opposed to federal. She is working full-time as an RN, but is not yet financially secure in any sense, as she has all of the expected life start-up costs as well as the school loans. She is seeking advice on how to best go about consolidating the loans, especially the private ones, to both lower the interest rates (ranging from 8% to 10.5%) and to significantly lower the monthly payments. My daughter works at a credit union, and her manager recommended lendkey.com. Anyone here have any knowledge of/experience with them? Any other advice you can offer? Post here, PM, or email me at john.felser@verizon.net. Thanks for any help you can give!