An opportunity currently exists to help lower your future loan payments and take advantage of current interest rates by consolidating your Federal Direct student loans. You can consolidate a single loan or multiple loans now, while you're still in school, and lock in a low interest rate. Recent changes in legislation will effectively eliminate in-school consolidation after June 30, 2006. The current in-school rate is 4.7%. This interest rate will rise to a fixed rate of 6.8% on July 1, 2006. You must apply before June 30 to lock in a fixed rate of 4.7%. For more information visit www.loanconsolidation.ed.gov or call 800-557-7392. Applying is quick, easy, free and can be done on-line. Whether you are still continuing in school or graduating this Spring, act now to take advantage of this great savings to consolidate your student loans.