subject: Should You Consolidate Your Student Loans? [print this page] It really depends on several things. How far are you from paying off your loan? If you are close to paying off your loan, a consolidation does not make any sense. How high is the current rate for consolidation? If you are going to consolidate for 8.25%, you may want to wait for it to drop. You only get one shot at consolidation, so waiting for the
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