NEW YORK – If you’ve already used your one-time ticket to consolidate your student loans and you’re now stuck with a less than attractive rate, it pays to get creative.
That’s what Aubrey Riccardi, a 30-year-old attorney at a Manhattan law firm, did. After graduating from law school in 1999, she had accumulated more than $70,000 in student loans from various lenders. Because she wanted the ease of one payment, she immediately consolidated at the going rate: 7.5 percent. However, as interest rates started to plummet, her mailbox was deluged with alluring consolidation offers, none of which she was eligible for because you can consolidate only once.
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