my daughter has a ridiculous amount of undergrad private loans (i know, i know...). she tried to consolidate with citibank and wells (with us as cosigners) and was denied. she thought they were the only ones making consolidations. i then found others online - studentloanconsolidation.com i think - liberty bank. she applied and was accepted (again with us as cosigners) - 10% interest rate. seems like a ridiculous interest rate to me. she says her med school loan (which we don't have to cosign, thank god) is 8.5% so 10% doesn't seem that bad. (i know, we've entered a parallel universe.) question - i'd like to try another lender - but am confused about doing all this online. we filled out all these things for the liberty loan - only online. does that mean it's a done deal? surely we have to actually SIGN something?? can i just go ahead and apply to someone else to see what rate they'll give us?