"I just moved here from Florida."

That sentence contains at least five follow-up questions she WANTS you to ask. Where in Florida? What brought you here? How long have you been in the area? What do you miss? How does it compare to here?

She handed them to you on a silver platter. And you said, "Oh cool. I come here every week. I love this band. Ummm... pretty crowded tonight."

She smiled politely. Nodded. And never texted you back.

I was that guy for years. Talking too much. Listening too little. Panicking about my next sentence while she was literally feeding me the answers.

Then I found 22 rules that fixed the whole thing. Rule number one: shut up and listen. She'll tell you exactly what to say.

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Who has consolidated their student loans?

T

The Forms

Senior Don Juan
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I graduated college in december, so I'm getting into repayment on my loans (roughly 20,000 bucks worth).

I need to consolidate because my rates are silly, and I have money taken out from 3 different lenders. I started doing some internet research about this, and I can't make sense of any of it. The rates these companies offer is all over the place. Some reputable lenders are at 4.5, but then some companies I've never heard of are at like 2 something.

So has anyone here gone through this mess, and do you have any suggestions about how I should go about doing this thing?
 

"You'll Never Feel READY to Walk Over"

Next Monday you'll feel more confident. After the gym you'll feel more confident. After one more drink you'll feel more confident. After you get a better haircut, a better jacket, a better job.

You've been "getting ready" for two years.

She's standing ten feet away right now. She'll be gone in four minutes. No amount of preparation will manufacture the courage that only comes from moving your feet.

Walk over. Stumble through the first sentence. Let it be clumsy. Let it be imperfect. You will feel more alive in those ten seconds than you have all month.

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W

Wiesman44

Master Don Juan
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4.5% ? Are you sure ?


I'm a banker for Chase Bank, and our best student loans are .50% above prime........meaning 8.75%. I actually haven't seen any rates below prime, but then again I'm out of school.


If you an find 4.5%, which i doubt you can, consolidate right away
 
F

Francisco d'Anconia

Master Don Juan
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Location
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Wiesman44 said:
4.5% ? Are you sure ?


I'm a banker for Chase Bank, and our best student loans are .50% above prime........meaning 8.75%. I actually haven't seen any rates below prime, but then again I'm out of school.


If you an find 4.5%, which i doubt you can, consolidate right away
Click to expand...
I've seen Federal student loan consolidations for 4.5% for the life of the loan. With that said Forms, make sure that whatever you find doesn't charge any fees nor is just an introductory rate.
 
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