I graduated 6 months ago with several federal student loans combining more than 40K. Is it better for me to consolidate now or stay put? Will the fed cutting lending rates (now 3%) affect the interest rates that loan consolidators offer? Will i be offered either variable or fixed rates if i consolidate?

I have a consolidated loan (previously two federal student loans) with Sallie Mae at the rate of 5.75%. Does anybody know how to find a lower rate with Sallie Mae or elsewhere? Based on my initial search, it looks like getting out of a consolidated loan is nearly impossible. With insanely low interest rate right [...]

Interest rates (Sallie Mae) will most likely be going up on July 1. I have received many, many offers in the mail to consolidate my school loans (these are similar to credit card offers). I do want to lock in at a fixed lower rate before rates increase. Currently, rates vary from 2.75% to 4.75%. [...]

I just graduated and I am trying to consolidate my student loans. Right now, they are with two different comapanies which offered me a 7.14% and 7.25% interest rate respectively. I called another company who had sent me literature, and they offered a 6.125% rate for the first 36 on time payments, [...]

I thought I read somewhere they weren’t changing them this year, but they keep asking me to consolidate so I was wondering if they actually changed or not.

How much is income tax for someone making $30,000 or less with no kids ? What is the typical sales tax rate ? What other taxes or fees would I expect to pay if I lived there ? Are there taxes on vehicles, food, etc…? Basically in what areas does the government get their hooks [...]

It should be against the law since everyone must carry car insurance. Also, what does my low credit score got to with my great driving record? Sounds like another reason to raise rates because most credit scores are low across the board. If someone pays their insurance company on time and has a good driving [...]

Basically an understanding of what goes behind the decisions of selecting to go for a spot rate of exchange or a forward rate of exchange.

I could really use some insurance, but my job doesn’t offer benefits. I’m willing to pay what I have to…if I can…but I want to make sure I’m going with the best deal, too.
Thanks!

Right now, the real estate market is cooling in most areas, but its caused by interest rates going up. What other factors contribute to a booming or busting market? 10 points to a solid well thought out conclusion.
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