How can one refinance a student loan if it is already consolidated?

Iluminada
How come one can refinance cars, houses, loans, etc, except student loans. You get a consolidated rate versus refinancing a student loan

Corazon
You can, I get offers from banks all the time, just be aware that you'll lose some of the priviledges such as a forbearance, etc.

Salena
The answer may be here.