I'm hardly an expert in this but from what I can tell the interest rates are higher for most loans than for student loans.
If the interest rate is lower then make sure that you're not paying longer terms which in the end will cost you more money.
The rule of thumb I use when considering a loan consolidation is "No one is doing you any favors."
If you simply can't afford your monthly payment then a consolidation might be a good idea. If you CAN afford it then just stick with what you're doing.
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