There should be more options. For most of the residents who graduated in the last few years, you should have consolidated, given that the interest rates have been SO low. I consolidated into a 30 year plan- ridiculous, in some ways, maybe, but with a rate of 3.5%, it is lower than inflation, and I thought it would not be the smartest move to not take advantage of this. In time, my loan payments will seem like NOTHING. Already, on an attending salary, $700 is nothing. Meanwhile, I am using my money to finance my drug habits... j/k.