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Rudey-
I consolodated all of mine (well all that could be consolodated) years ago and locked in a rate of 5% on close to 30K in loans. I chose Sallie Mae because at the time they had the best payment options. Mr. Amycat has his consolodated with Direct Lending, because a few months ago, they had the best deal. Do your research, but IMO, it boils down to these 2 being the best most of the time.
Now, with the ones that I could not consolodate, I pay the bare minimum on the sallie mae and have been throwing $$$ at the higher interest ones--they are now within 4 months of payoff. Then that same money will be thrown at sallie mae--and will be paid off in 4 years instead of 25.
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Hybrid Mode
