I have two private student loans that I start paying on in July. One is 13% $12700 and the other is 12% $12280. I am closing on a condo so I need to get these in order so I can budget accordingly. Are there many good fixed-rate private consolidation loans? Personal experience please? Also, I have a really high credit score...I don't see why my interest was so high in the 1st place. My home loan is super low. What type of payment could I expect if I do not consolidate?