You apply for a new loan with a private lender that pays off the current loans, after which the private lender
attaches a
different interest rate on your consolidated student loan that reflects a balance between what the federal government
charges and the interest
charged by the lender.
As the environments whiz by you, you'll have to juggle many
different elements, like powerups that
attach themselves to either the front or back of you,
different ships, weapon types, and
charging methods.