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No. of Recommendations: 1
Thanks everyone...this the response I got from UHEAA (below)...from what I have heard from other Fools, they sound just as reputable and reliable as the Fed Direct Loan Program, so I think I will switch over and get UHEAA's borrower benefits...with Fed, I am only getting the .25% reduction for electronic payments...

Dear XXXX,

You ARE able to re-consolidate student loans that you previously
consolidated with Direct Loans.

If you choose to participate in our Auto Pay program (having your
monthly payments automatically withdrawn from a checking or savings
account), we will reduce your interest rate by 1.25%. Then after 48
consecutive, on time payments, we reduce your interest rate by another
1.00%.

We offer an online consolidation process for your convenience.

In order to consolidate your loans, please visit our website
www.uheaa.org

Click on Account Access. If you do not have a UHEAA online profile,
please click on 'Create an Account' and it will allow you to set one
up.
Once you are logged into your account, choose "Apply For a Loan" from
the menu, and select "Consolidate Your Loans."

If you have any questions past this point, feel free to give us a call,
and we will be glad to assist you in this process. We can be reached at
1-877-336-7378, Monday through Friday, 8am to 5pm, MST. For quality
assurance and timely assistance, please direct further email inquiries
to uheaa@utahsbr.edu.

Thank you,

XXXX
Borrower Services Assistant II
Utah Higher Education Assistance Authority
1-877-336-7378



>>> ORIGINAL MESSAGE >>> FROM < XXXXXX>
Hi,

I was referred to you and am wondering if you re-consolidate student
loans? I already have consolidated with the Federal Government's
Direct
Loan Service at a fixed rate. I was told you may offer
re-consolidation
with interest deductions for automatic and on-time payments.

I appreciate your response.

Thank You!

XXXXX
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