He may be able to get a personal loan with a lower interest rate to pay them off?

Government- backed student loans can still be consolidated. Go to studentloans.gov and play with different repayment plan calculators. Not sure what can be done about the private loans though.

My husband has gotten himself into a bit of a pickle with student loans. He went back to school relatively late in life (early 30's) and graduated with a computer science degree, which led to a nice-paying job. During school, he accumulated around $90k in student loans, many of which are private and are at rates of up to 10%. Now, he has monthly student loan bills of almost $1000 and, I'm afraid, also a decent chunk of credit card debt so his monthly expenses are quite high. Back in the olden days (early '00s), I consolidated all of my loans and it reduced them considerably (I believe mine went from $800 to $330 per month, but I always paid way more because I had a high salary at the time and was able to pay all of mine off before switching jobs to a lower-paying but better job), but I understand it is not as easy to consolidate/reduce student loans these days. Anyone have experience with reducing student loan payments recently, even if you make a good salary? Any tips/guidance appreciated.