I have over a 100K debt from Dental School which have been consoliated at a low interest rate (maybe 2.9%) Now I will start a residency program in the Northeast and will need another 150K-200K. So,... 1) should I consolidate my new loans with the old loans? old loans have a very low rate and new loans will have a very high rate. 2) should I just keep the old loans at their current rate and pay of the new/higher loans first? 3) will i need different lenders to consolidate? thanks. Demeter.