Student loans

[Rudey]

This has something to do with academics. Have any of you consolidated your student loans and locked in the rates?

I have a large amount of loans and I can pay it all off right now, but the interest rates are so low it's ridiculous. If I can lock in a rate between 3% and 4% I'll be very happy. I intentionally racked up loans because of that since I figured I can dump that amount of money into an investment that provides a higher return (an index fund returns on average 10%) and use the investment interest to pay off the debt interest.

Anyone else do this?

The only problem I spent about 10 hours calling up different companies and trying to research all the conditions and rates but then my loan holder is being a prick and not wanting to release it so I have to harass them. Anyone get them to let go of their loans before consolidating with another company that wasn't the majority holder of your loans?

-Rudey
--This is a confusing post I bet.