My friend she is in the Medical field and currently owes a lot of money. She has these loans from UAS (United Accounting Services, LLC) that are broken into 7 different loans.  The lending institution is GSED Trust. And each of the 7 loans are around 20,000 each.  And the minimum payment for each of the loans are around $175 each.  The interest rates are in the range of 9.9 to 10% annually.  She is currently going through her residency program (3year) from school (just started) and just juggling to pay her rent and student loans.
  I have several questions. One, is there a way to consolidate all seven loans into 1 loan? Second, how do you keep the interest rate fixed because these loans are all variable interest.  What are her options? What is the best method to go about this.