P.S. if any of you post-grads are looking to consolidate your federal student loans, check out
www.graduateleverage.com.
They are a company made up of some Harvard students who collectively bargain with lenders to get better rates. I am probably going to consolidate with their recommended lender. They will give me last year's rate (2.875%) and after 36 consecutive payments it will drop to 1.875%. Amazing. I will use the whole 30 years to pay that baby off.
P.S.S. I do not work for them. I am just really excited about getting such a low rate.