From my experience you're not going to get Capital One or any private bank to match your current interest rate (unless it's higher than my grad loans at 6.8%). While dicking around on Credit Karma I saw something about credit union student loan consolidation at cUstudentloans
. It's a group of credit unions who offer private loans for student loan debt. Without a co-signor they offered me a 7% variable rate - which isn't as good as my current rate, but with a co-signor it can be as low as 4 something percent. I may transfer my absurdly expensive bar study loan to them soon.