There are several avenues to address that issue, but one that seldom is suggested would be to put them in touch with a credit counselor from a nonprofit debt management agency. (debt.org)
To find the best consolidation program available for you, you can search the internet for debt management agencies and request from them information about their particular programs. (badcreditloanservices.com)
Military Debt Management Agency works with the Department of Education to help consolidate your Federal Student Loans. (getoutofdebt.org)