If you reach a point where you no longer qualify for deferment, but you need help managing your loans, you can apply for voluntary forbearance. (thecollegeinvestor.com)
Check with your 401k plan provider on the loan terms and costs (they'll charge some symbolic amount for managing the loan for you). (money.stackexchange.com)
The federal student loan consolidation program is intended to help students better manage their loans. (edfed.com)