Jetfire, where are you getting this 3.65% rate? It's a fixed rate? I'd like to consolidate my student loans. They are both stafford loans through AFSA. They are both on variable around 5-6% right now. Can you give me more info on the rate you had mentioned? It would be MUCH appreciated!Jetfire said:FWIW, I plan to consolidate my and my wife's loans sometime this year. The interest rates (as low as 3.65%) are too good to lose next year.