I'll owe about $10,000 when I graduate (I'll be a senior in the fall) so I guess I'm pretty lucky. Student loans are quite ugly right now as the government is cutting funding and many banks are dropping the student loans as they can't afford to take them on. My loans were with AES (American Education Services) but Citibank recently picked up my loans because AES is dumping the loans.

I would consider paying down the variable one first if you can't consolidate because that rate will probably only be going up in the future. I'd just do some research and call around to see what you can find. It'* certainly not a very fun process. Good luck with it all!

Well, I have all of you beat so far. I have about $52,000 in school loans right now and have mine through Citibank. I have been really happy with them so far, also if you have your payments automatically taken out of your checking account they will knock off like .25% interest and then if you make 48 consecutive payments on time they will knock off another 1%. Thats what they are doing with me. They are always helpful, always follow up with what they did in writing and I have never had an issue. I consolidated both undergrad (Citibank) and masters (another company), now all Citibank, one payment. Its fixed at 3.8% and will drop to 2.8% after my 48 payments. Any other info you want or need feel free to PM me. My payments are not bad either!

Wow, that'* a lot of debt!

Thanks for explaining all of that stuff about Citibank because it will help when I graduate next year. Those are some great incentives to help pay down your loans.

yeah Im going to do some research before i make any sudden decisions.

Sucks, dont it? Well, best to have the greatest investment eventually pay-off,...so...off to work you go!!! Sounds dumb, but its true, YOU are your greatest investment!!!!!