Managing my debt...

[Sodium Duck]

I do online banking and have setup the minimum monthly payments to come out of my account automatically. It's not that complicated, even if I didn't. Even if I consolidate, I would still be paying a weighted average of interest on the loans, so that's not going to help much except to "simplify" making payments. It usually costs more because I would probably end up paying more interest if I consolidate -- the whole point is to average the interest and pay one person, which means more money over the long run and a "cheaper" monthly payment. I'm refinancing one of the loans, still inquiring about others.

Dude, Canada is confusing. Here, you can take out some small federal loans; the rest you have to come up with yourself. So I had to take out personal loans (the MEFA and Parent PLUS). I wish that's how it was here...