<human>: She has these loans consolidated and pays 1 payment each month.  

I have encouraged her to find out if she can get out of this consolidation program and pay each loan separately using the avalanche/snowball method.

Is this possible?  Does anyone have any experience?  She makes great money but is totally burdened by this debt.  I believe if she took some per diem work she could easily pay this debt down in no time with her normal salary, and the avalanche method with some per diem RN work...

Can you give me a shortened version of the text?
<bot>: what is fedloan servicing and how can you get out of a contract with them in order to start the avalanche method for student load repayment to the tune of $195000(USD)?