At the very least, you usually do them at the same time.
Two of them focus on speeding up repayment so you can get out of debt fast.
The others are known as “hardship-based” repayment plans, because they’re designed to lower your monthly payments.
If you notice above, applying to refinance student loans through a private lender is the same process as applying to consolidate student loan debt.
In truth, these two processes are often used interchangeably.
Keep in mind that certain lenders may have specialized eligibility requirements for refinancing student loans.