I just learned that you pay an additional 1.5% if you consolidate through a private lender!! UHEAA will give you 1.25% back but you still pay .25% more!! However, Direct Loans will give you .25% if do you automatic withdrawal whereas UHEAA gives 1% back after 4 years (?). Meaning that you only get a .5% reduction for all that work and it may not even be worth it since private lenders don't let you defer during residency.... No wonder the private lenders are making millions off students shame on them when MOST of the students going through private lenders end up paying more in the long run.... anyone with different opinions? Leave it to corporate America to rob you even when you are poor!