Call your loan servicer. I'm having trouble paying my student loan. And check to see if you are eligible for deferment or forbearance if you are having difficulties paying your loan. Many lenders offer graduated repayment terms, under which payments are smaller at the beginning of repayment and step up at specified periods and in specified amounts over the term of the loan. Both refer to payment plans in which how much you pay each month depends on how much you earn.
Many lenders provide both serialization and consolidation of education loans.
These two terms are often confused. With consolidation, the borrower refinances multiple loans. The original loans are paid in full and a new loan for the combined balance is originated, for a new term, often at a new interest rate. See our Deferment section. See our Forbearance section.