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I was advised when I consolidated my considerable student loans (BA, MA and doctorate) several years ago to "hold out" one small loan from the consolidation so I can "reconsolidate" at a lower rate when the opportunity arises. Looks like that may be coming up July 1st - I am currently at about 3.6% and think maybe I should go ahead and get the other loan into the consolidation at the 3.25% rate. Is that the best idea? I'm not sure whether rates are likely to go any lower for a while to come. I have about $280,000 in loans so I think a little can mean a lot in terms of interest savings.
By Nancy Smith
