this is a debt management financial thread, so it's not necessarily tax related
as long as the money is 'green' and the interest rate is lower than what you are paying now, not sure that 'reputable' is that relevant.
are you current loans federally insured? this bigger question you have to ask yourself if you want to move from federally insured to private loans. With federal there would be more flexibility on the repayment schemes while on private, you are basically "locked in"