As you have no need for federal repayment plans, you can adjust your loan terms, consolidate your loans, and potentially reduce your interest rate. (credible.com)
Some private lenders have loan modification programs, and others have repayment plans designed to mimic federal repayment plans. (nerdwallet.com)
Often times, this will enable you to utilize or remain enrolled in federal repayment plans, such as income - driven plans. (lendedu.com)