Should I consolidate my college loans or not?
1. Still in school, yes! Rates are low, but they're scheduled to go up. Your college loan payments will then remain as manageable as possible when you leave school. If you have graduated, or will be graduating this May or June, yes! Graduates can lock in historical low rates, and reduce their monthly payments more than half. You can lock in a rate even while still in school, and even if you have been out of school for a couple of years can get a good deal, too.
Many of us dream of giving up our jobs and working for ourselves. Being your own boss can provide the responsibility level you want as well as the incentive to perform well. Running your own business usually mean lots of hard work but the rewards can be quite tremendous.