First off are these education/student loans or are they personal loans that you took out to pay for school? I've never heard of an education loan with a rate that high; or even half that high.
IF they are education loans, then yes, you can consolidate them. I use Citibank but anyone should be able to do it for you. A Google should bring up billions. Fannie Mae is also a popular choice.
If you'd have done this a month ago you could have saved yourself even more, as I believe the interest rates on student loans went up 2 points this month. But you should still be able to save yourself a lot of money.
I pay $89/month for $34,000 in outstanding loans. So that should tell you something. You won't get that low anymore, but you should be able to pay well below $150/month on $30K in loans.
As far as getting a business loan, as long as your credit is good, you should be fine. Student loans generally don't count against your credit score unless you've been missing payments or the payments are so high that they overburden you.
