# consolidating school loans

**URL:** <https://forums.speedlife.net/t/consolidating-school-loans/71511>\
**Category:** NYSpeed Off Topic\
**Created:** [August 3, 2009, 12:03pm UTC](https://forums.speedlife.net/t/consolidating-school-loans/71511 "2009-08-03T12:03:17Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![Djs87](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/djs87/32/5132_2.png) [@Djs87](https://forums.speedlife.net/u/Djs87)\
**Post date:** [August 3, 2009, 12:03pm UTC](https://forums.speedlife.net/t/consolidating-school-loans/71511/1 "2009-08-03T12:03:17Z")

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Pretty boring topic here. I just graduated Buff State after my couple summer classes, and now its time to think about consolidating all these loans.

If you’ve got any advice, id be happy to hear it. Who did you consolidate your loans through, whats the rate etc. Thanks guys.

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**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\
**Post date:** [August 3, 2009, 12:10pm UTC](https://forums.speedlife.net/t/consolidating-school-loans/71511/2 "2009-08-03T12:10:25Z")

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Are your loans Fixed, Variable rate, or some of each?  
You can’t consolidate fixed rate loans and save money. Unfortunately, if you just graduated, you’re probably mostly fixed rate 6.8% loans, since they switched over to those in 2006 or 2007.