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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monthly payments automatically withdrawn from a checking or savings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

We offer an online consolidation process for your convenience.

In order to consolidate your loans, please visit our website

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
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

Thank you,

Borrower Services Assistant II
Utah Higher Education Assistance Authority


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

I appreciate your response.

Thank You!

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