I definitely just deal with my interest rates that are serviced by the private loan industry. I don’t want to refinance and consolidate yet because I looked at the lowest fixed rate and it would overall hurt my loan portfolio by averaging some of them up and some of them down.

Listed rates from my servicer RISLA:

6.64% no cosigner 10 year

7.24% no cosigner 15 year

I pay what amounts to a good sized mortgage each month but I do what I can