Hi. I currently have about $23,000 in federal student loans with one year left of grad school. Once I graduate and get a job I plan on my entire income going to pay the loans back (I'm currently a sahm). Should I consolidate my existing loans now before interest rates go up or is it too much trouble to be worth it since I plan to pay them back within two years?

Thanks.

Interest rates will go up July 1, so it's to your benefit to consolidate now.