There are more lenders providing private student loan consolidations - I would start with a Google search and look for reviews on specific lenders you might qualify for. I think the only way you could combine the student loans and credit card debt would be with a personal loan, rather than a student loan refinance.
Consolidating your federal loans may make it easier to keep track of payments and apply for an income-based payment plan if you have multiple servicers. If all your loans are already with one servicer, consolidation will probably not be worthwhile for you.
You'll want to research how the mortgage loans you are considering look at student debt - some programs will use reduce income-based payments, or deferments that will be in place for a minimum length of time, but other programs will always look at the full standard payment when considering your debt-to-income ratio.
