weesa,You may also consider consolidating both loans. I have recently done so, with loan amounts similar to yours. I had three at 8.25%, one at 7.9%, and one at 5%. Consolidating has left me only one to attack, a 7.1%. As a bonus, if you make a certain number of on-time payments in a row (I think it's one year's worth), the will lower your rate by one percentage point.Just a thought...Mike
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