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This is all new to me. I've been through the mortgage process twice, but know very little about student loans. I graduated with a BS in May and just got a letter stating my student loans were coming due. I owe ~$16000, and am looking to consolidate all this together (as I heard you can get a lower interest rate). The problem is Sallie Mae does not consolidte anymore. Does any have any suggestions on what to do to consolidate at a lower interest? My interest varies from 3.81-6.8 on some of the stafford loans.
Direct Loan Consilidation is what you're looking for, I think. Read all of the information on the site before doing it, though. It takes them 60-90 days to create the new loan, and you can cancel it anytime before the new loan is created.
http://www.loanconsolidation.ed.gov/
However, you don't get a lower interest rate. Consolidation uses the weighted average interest of all of the separate loans, and puts them into one big new loan, and locks it in for your entire repayment schedule. The only way that consolidation will lower your interest rates while you repay is if Congress raises interest rates on them while you're repaying.