I've just consolidated my student loans, woohoo. Everyone said I should before the end of the month, because of the interest rates and stuff, so I did, and I think it will be good. Certainly I will have the option of making very low payments, though I will try to be good and pay more than my payments, although with the interest rate as low as it is it probably makes more sense for me to do something else with the money but I am awfully lazy.