I finished consolidating my debts. I figure it drops my loan payments down by like 100 bucks and locks the interest rate. I really really hated college. I'm so glad it's over. My sister asked if I were going back to get my masters and I had to laugh. The answer is not only no, but hell no. With a little bit of luck hopefully I have this debt paid off in 5-7 years. I've got to say as much as I hated college, I'm glad I made it through.