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Loan to help you Succeed in LIFE. Saturday, September 12, 2009. Consolidating After July 1 May Save You Thousands. The rates are in, and as expected they have dropped like a second rate fighter in a Vegas prize fight. The rate decrease will not effect everyone however. Only those who hold federal loans with varialble interest rates are doing a little dance today. If you have fixed interest rates, and many do, you are out of luck.