i think mine are 2.75...hmmmph

that's right. Actually, I think it's 2.77 if you want to be EXACT about it Maka.

Sheesh.............i still love ya .

consolidation involves finding the weighted average of your existing student loans (in the case 2.77 as you mention) and then rounding UP to the nearest 1/8 of 1%. The rate will be 2.875%

Of course most lendors will give you a .25% break for automatic payment and a 1% break after 36 months of on time payments.

2.875 - .25 = 2.625% for 36 months then 1.625%!