Ugh, a terrible, not fun topic, but a gentle reminder to all of the current/former students with loans... Remember if you're eligible to consolidate your student loans by July 1st! Interest rates go up after that. I just spent about an hour consolidating mine online - no fun, but better than paying a higher interest rate later Consolidate through the government if you can, visit www.dl.ed.gov to check. All this financial responsibility has me in the mood to buy a new purse !