Simply replace the unfilled areas such as "" and "[date]" with your information.
Dear [name of bank],
I'm repaying my student loans and I find the rates a little high. I'm looking to consolidate them at a lower rate of interest and was wondering what kind of options are available to me.
I've been employed with [name of company] for [length of time]. My current salary is [amount]. Other outstanding loans include the following:
[credit card debt]
[lines of credit]
[any other types of debt]
I can be reached at [phone number] or [email address]. Thank you for your time and attention.