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- Jan 11, 2006
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I'm an EM PGY-1 with my loans about to lose their grace period. I'm expecting a healthy monthly stipend though not for another month or two. When I get the stipend, I think I would like to consolidate my loans at a lower rate and start putting everything I've got into paying them off. Who is a good servicer and what kind of interest rate can I expect to get with consolidation? Also, will there be any ill effects by forebearing for the next two months until I start getting my stipend?