DIRECT STUDENT LOAN

I have a ridiculous interest rate on my Direct federal student loan 6.8% for ~$25,000. My other ones are 5% or less which I’m cool with, but that 6.8% one is bugging the hell out of me. I just want to know if there is any way to get somewhere around a 5% loan to pay off the 6.8% one that I currently have. I just can’t believe I have a higher interest rate than most car loans for a student loan. Plus, I hear from some of my friends who are still in school that they are getting around 5.5% on the same type of loan currently.

I know that you can’t get rid of these type of loans by filing for bankrupcy. Will it be easier to get a student loan as compared to a regular loan, that could have been written of through a bankrupcy?

I will have left over student aid money and my disbursement date is June 12, when will the remainder be put in my account? I have direct deposit. I am looking for someone with personal experience and having direct deposit and student loans. thanks!

When you include a Federal student loan into debt consolidation?