Debt consolidation programs including private student loans are very difficult to obtain in a manner that makes economic sense for the graduate. It is very difficult to qualify for a new account that offers lower monthly payments that actually save money in the end.
Having student loan debt that you cannot pay makes you a poor credit risk. Late payments on your consumer report hurt your score. Many lenders will shy away from approving your application.
Most approved applicants obtain lower monthly payments by stretching out the repayment time period. This only serves to allow more time for the interest to accumulate. There are no easy answers. Learn about the options and consequences.