http://www.federal-student-loan-consolidation.org/student-loan/student-loan-debt-consolidation-programs.html Student loan debt consolidation programs are not a joke. student loan debt consolidation programs will save you major long term amounts if you lock in a historically low fixed rate now. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 When is it time to call on one of the student loan debt consolidation programs? We would say the time is now to lock in one of the historically-low interest rates - of the likes we haven't seen in nearly four decades. Truly - you have everything to gain through the record-breaking low fixed loan consolidation rates. You can make your future dealing with student debt much more enjoyable and flexible. Historically-low T-Bills affect interest rates on student loan consolidation programs This is no marketing gimmick. The truth is these interest rates are predicated by Treasury Bill (T-Bill) rates. T-Bills, as you may even have heard, haven't been this low for nearly forty years. The best way to enjoy these low rates is through taking advantage of a fixed rate student loan debt consolidation plan. Because, Congress is leaning toward making the fixed rate on student loan debt consolidation programs null and void. When is this slated to happen? In summer of 2006. Okay so you may be saying - that's alright - I don't have to make my move until then, right? Au contraire. You won't get as good of a deal with such a low rate. Chances are, the interest rates as low as they are right now will not stay this low or get any lower. Seal your fate to ensure yourself that you can enjoy these low rates for the life of your repayment of your student loan or student loans, by taking advantage of this NOW. Don't wait and take the chance of getting a fixed payback rate when the rate is higher. Do the right thing. Lock in your reduced, fixed interest rate through one of the student loan debt consolidation programs today. Student loan debt consolidation programs and your brothers and sisters Don't make this a case of what-could-have-been. All your brothers and sisters out there who turn there knows up to such a good deal thinking they're playing it safe are wrong. You can show them who is boss when you lock in your fixed, reduced rate on your student loan consolidation today. Lock it in and it will not change for the life of repayment, regardless of whether or not it takes nine years to pay off or ninety. It will always be locked in at this historically-low interest rate. You can chuckle and chant in a sing-song voice to your friends, sisters and brother, "I told you so," over and over as you watch them struggling with their student loan payments eternally - payments which are at a variable rate (because they were "too cool" to take advantage of student loan debt consolidation programs) and inflating all over the charts, sometimes going as high as 8%. Not you. You were smart. Because you took advantage of student loan consolidation programs - you can sit back and sip on a tall drink as you enjoy fixed rates as low as 2% for the life of your loan. This isn't a joke. These are federally-guaranteed. Cheers to that! Sat, 26 Jul 2008 15:00:00 EDT