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I just checked out the direct loan site and also looked up some additional information on my loans. Here is my situation:

Stafford Loan with a current interest rate of 8.25% and balance of $1700 dollars-currently pay $50 bucks a month-interest rate to drop to 3.69% on July 1st according to web site

Direct Loan-with a variable interest rate of 8.25%-balance around 14K-currently pay $197.28 a month-interest rate to drop to 6.79% on July 1st

Perkins Loan with a current interest rate of 5%-balance around 2000-fixed interest rate of 5% (I think all Perkins have this rate...clarify me if I am wrong)

So, in this situation, I have two variable interest rate loans and one fixed interest rate loan. So should I wait until after July to consolidate them with the new variable interest rates taking effect? Would the three interest rates be averaged together for one interest rate? Would this extend out my payments and cause me to pay more interest overall? Does it make sense for me to do this in my situation? Thanks in advance for the advice...
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