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I am getting conflicting responses from my lender, so I thought I would ask here.

I want to consolidate my loans before the rates jump, but my loans do not fully pay out until 6/26/06. Can I consolidate now with what I have, and add in the last payment to the loan once it is fully paid out? I was going to overnight the paperwork to make the 6/30/06 deadline.

The reason I want to consolidate now, is I have a relationship with UHEAA, and I can get their better benefits before they kill them off May 1st.

I have had one rep tell me I can do this and retain the pre May 1st benefits, and another tell me that I can't do anything and I am doomed.

Any experiences?
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