As you probably know, the fed interest rate is approaching 0%. While the rate that a consumer can actually borrow at is a good deal higher, I read about some people refinancing their mortgages at 4.5% or so. The majority of my debt is in the form of subsidized or unsubsidized stafford loans and mostly post-2006 (fixed at 6.8% or thereabouts). I'll be graduating in May 2009. Is there any way to refinance to take advantage of the historically low interest rates? I'm going to speak with my FinAid office soon but wanted to get some of your ideas as well. Thanks.