<prompt> Human: I have approx. 8k in student loans at 6.8 percent interest rate. I have a relatively low income at the moment and will for at least 6-12 more months. However, I have fairly good credit 785 and am wondering if I should look into consolidating my three different loans at hopefully a much lower rare. Thanks  <response>: I wouldnt bother for 8k and I would never refi out of federal loans. 