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You CAN re-consilidate, even if you don't have any other loans to add to the mix.

The laws let you consolidate again, but only with the Dept. of Ed (Direct Loans), if the income contingent plan with your current lender is not acceptable to you. This also works if you haven't consolidated but all your loans are with one lender - they have to release to Direct Loans (because it's the feds) if you decide their income contingent plan is not acceptable to you.

However, once you're with Direct, you can then go to UHEAA or wherever.

Look into it- read everything, make sure you understand, but it may help you reduce your rate a little.

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