Consolidation is always an option as well depending on the specific circumstances.  While it isn't for everyone it can provide some opportunities to take some pressure off and lower the interest rates.

 Advice I've found helpful for many is to consolidate, take the lower interest rate, but be sure to keep the payments up (if possible).  This speeds up the payback time.  The pressure is lower as the minimums are reduced (this can be especially helpful in months like December) but the ability to pay back the loan quicker and with less money going to 3rd parties the loans can be paid off quicker.