You won’t get a personal loan at a low interest rate with that kind of debt. But i fyou have a job, you can go to www.SoFi.com and see if you can refinance. Then again, if you refinance a Federal loan, you can’t use forbearance again!
The best loan to take out would be a home equity loan, which has a low rate. But I’m assuming that you don’t own a home. This is the HORRIBLE burden of student loans — high rates, and almost impossible to get out from under. Let’s see if Congress does something this time around.