The More You Know...

I just made a 1/2 assed attempt to consolidate my student loans, meaning I gave up once I realized I needed to know all my lenders. However, I felt it was my duty to share what I've learned from this experience. As long as you're still in school it doesn't seem to effect your interest rates (despite the hikes coming in the next couple weeks) if you don't consolidate right now. Good to know, provided I'm right-which isn't likely given my complete and utter financial irresponsibility and inability to even stay up on balancing my check book.