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If the interest rates are low, then it is the perfect timing for Consolidating Federal Student Loans. But in case the rate has dropped down temporarily then in future you will need to pay high. If you have loans with different interest rates then you must consolidate your loans when the rates are low. With consolidation you can make your different rates into one-fix rates and thus can enjoy the low interest rates throughout the loan duration. There are many repayment options in consolidating federal student loans programs. Hence you must study the programs of all the lenders carefully.