So I've searched and called every bank and student loan consolidation firm and no one is consolidating, except for Citibank. I'm disappointed, I mean not even the government backed agencies and the gov't itself are willing to consolidate because the economy is so crappy. Anyone know any place where I can get a somewhat decent rate? And when I said everyone has closed their doors, even Nextstudent, Myrichuncle the list continues. All because it is not profitable to consolidate.