Ok, So Ive just graduated and have lots in loans to repay. Im looking to consolidate them but have no clue who to go with or what to do. Is there any guru'* out there that can give me some advice? or even if its worth consolidating...

Probably not worth consolidating depending on what interest rate you have on them. I know no one could touch the rates I had on my student loans.

hmm I have $14,500 at 7.220 (Variable) and $21,000 at 6.800 (Fixed).

WOW!!! I had 15k @ 2.9%

Well... yeah not me. Any suggestions?

You'll start getting lots of solicitations through mail. Pick the one that has a good rate, and maybe a recognizable name. I went with Citibank and have all mine at 3.25% fixed.

Holy Crap your in my prayers man haha

I would pay the variable off first! If you cant consolidate them.

Yeah it sucks but education is education. It would really suck if I wouldnt have had a job locked up 3 months before graduation. My first payment isnt due until november, but I'd like this consolidate and start the payments now.

I consolidated with Wells Fargo when the rates were really low (can't remember what I have right now) and it is working out pretty well. I owe about $7K and my monthly payments are only $71. Very affordable. Not all loads are consolidatable though. That'* something that you might want to look into.

I went with Citibank for mine (www.studentloan.com) and have a decent rate with them. They also bought out my consolidation loans that I took out before the fed interest rate increase 3 years ago (locked in most of mine at 2.7% then) while the others are a bit higher.