If you have more than one loan servicer and a fair amount of debt an option for both federal and private student loans is loan consolidation. Through loan consolidation, a borrower who has been making their payments but finds their debt to be more than they are likely to manage can combine all of their loans into one loan under a single servicer.
This will make it so that all the loans are in one lower payment, but it also means that the loan will be extended out beyond the standard 10 year term. For federal loans there is the Federal Consolidation Loan which extends the loan to 20 years if there’s more than $7,500 and extends it to 30 years if there’s up to $60,000 in debt. Once the loans are consolidated they can’t be consolidated again unless another loan is taken out or one that wasn’t eligible before becomes eligible.
If your one of your current lenders isn’t willing to consolidate then the borrower can seek the assistance elsewhere as the loan consolidation will require a new promissory note and agreement on a new interest rate and repayment terms.
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