<p>^^ I feel the same. </p>
<p>We have 3 different interest rates - so they can be consolidated? (do we want to do that?) And how do we do it???</p>
<p>Anxious, the language on the letter says “Your repayment period for the loans above officially begins on 11/21/11. Your first payment is due 1/20/12”.</p>