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Federal student loan consolidation is backed by the federal government and allows you to extend your repayment terms. If you have Stafford loans, you have a variable interest rate that adjusts annually.

When you opt to consolidate, you get the choice to lock in at a low rate and there are many offers out there that will charge you no fees. They want your business and you should shop around.

There are many competing financial institutions that are competing for your money and that puts you in the drivers seat. You want to insist on the best possible deal on the market.

(c) 2007 Best Student Loan Guide. Products, services and step-by-step guidance to help you make the best decisions you can. Checkout Martin Haworth’s website for all you need at http://www.Best-Student-Loan-Guide.com