Private Lending for Debt Consolidation

[Christina M Viola]

Hi all, I've noticed a ton of private money lenders for real estate investing and some for debt consolidation with asset leverage. I unfortunately do not have assets to leverage but I've paid off a ton of debt over the passed 6 months in preparation for this real estate investing journey. I currently only have a $3k cc and a $50k student loan from my Masters degree that is broken down into two $20k loans at 6.875% and four loans under $1500 at 2.14%. Consolidating through Student Aid gov will only let me add the 2.14% loans to one of the $20k loans and lower it to 6.5% but that isn't going to make a huge difference and it makes no sense. By the time I've paid it off I'll have paid up to $110k and it is really getting to me that I feel it hasn't even paid down from $50k over the last 5 years of $300 monthly payments. I've recently changed careers (01/2017) and am self employed as a RE Agent so I don't have a steady income to pay it down! I've tried online lending companies like credible but they all give me interest rates above 10%. I am wondering if anyone has any advice or suggestions for paying off the $50k sooner rather than later to avoid paying double the loan...any insight is appreciated! - Christina