We're pleased to announce an update is coming to the community boards. We are migrating the boards to a new platform. The site is currently in read-only mode and we will bring it back online as soon as the migration is complete.
From your statement, you say you won't benefit without consolidation. You DO benefit with the automatic rate reduction without consolidating...but I think you mean you don't get the "full" benefits of the rate decrease as far as saving money without consolidating, right?
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