No. of Recommendations: 0
I will say that back in the day, it paid to shop around for who to consolidate with. I got the best incentives from a state-run program (not the state I lived in or studied in, either)-- a permanent 1.25% cut in interest rates, if I remember rightly, after 4 years of payments. The consolidation rate was already around 3%, so... absurdly good rate, locked in for years and years to come.
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