So one of my consolidations is through Chase @5%... and then I signed up for ACH payments, so they sent me a letter saying that as long as I maintain it, I have a 4.75% interest.

I just got a chase CC, and can access my student loans and CC on the same page...I noticed that under details that they still have 5% listed. Do they just list the original rate, or is it supposed to reflect the effective interest rate? I fired off an email to customer service, to verify what I'm paying...but this is a year later before I even noticed.

This is kindof a heads up, and me wondering if I'm just not looking at things right...I'm looking forward to another discount at 36 payments...wonder if that's gonna be an issue.