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I am waiting until I know I won't need any more loans. Because, like hokieian said, you can only consolidate once. I'm hoping that rates won't go up too much before I am done. I am currently working full time and taking night classes so It's taking forever. I would also go with a recognized company, preferrably some company that has a local branch office. I just prefer to deal with people face to face. It's hard enough to tell who is trying to rip you off looking at someone in the eye. The internet is impossible. You can check the company out online at the Better Business Beaureu (sp?), or check with the local/state government agencies to see if any complaints have been made.
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