I have a couple of student loans that have been in forbearance that I need to start paying back. Here is the breakdown:
Consolidated - Subsidized - $51k - 6%
Consolidated - Subsidized - $44k - 6%
Both are with Navient. So my questions is is there any way to reduce them besides starting to pay? Is 6% a good interest rate?
6% is pretty standard and not terrible.
You could attempt to get them refinanced through a private lender at a lower APR (you could check prequals with Sofi, Earnest, Lendkey, etc), however you would lose the benefits of federal loans (forgiveness, income based repayment schemes, deferral/forebearance options, chances to rehab or consolidate should you default).