The school loans are my only loans. I have managed to get myself into an acceptable financial situation, other than the school loans, but just a little debt for my house and pretty good credit score. I have the equity to pay off the school loans in my house, but the loans are in deferral now, so I would like to keep them that way if I can. I have looked at a few places like Suntrust as UncleBose used, and I might look at them as well as SallyMae and a few others. The Suntrust place looks like it might be able to do my Key loan as well as the federal loans. It looks like I have to start making phone calls and getting more details about the different places and see what one will work best for me.

Thanks for everyones help so far.