In some instances, waiting 24 months with Sallie Mae would be a better deal. Now I'm in grad school and my loans are deferred. So now I'm ineligible for the SM 24 month lowered interest rate. For me, consolidation just doesn't make a whole lot of sense right now because my interest rate (i.e. payments) would not drop very much. Obama could have worked on that part a bit more. Just my two cents.
Starting Score: 760