This is for students in Utah or students with a Utah connection - so there may be state-run programs like this in other states, of which I am unaware.

You need to check out UHEAA.org.

I am not affiliated with these people in ANY way. I do NOT work for them. I occasionally post this as a heads up to any of you with loans.

2.0% rate reduction for an original consolidation
1.25% for auto withdrawl.

That's right...3.25% rate reduction if the original consolidation.

2.25% if you are re-consolidating.

http://www.uheaa.org/borrowers03.html

Thanks - I've heard of them.