loan help 2007 - my personal F.A.Q.

Frequently Asked Questions on loan help in 2007 - that's the questions I ask myself, you know...+609 or -711 - doesnt matter.

Any ideas on how to handle it better? I'm just making a quick TODO list:

What is the benefit of a Federal Consolidation loan?
How much can I lower my monthly payments?
What is the interest rate on a Federal Consolidation Loan?
How can I lower the interest rate on my loans even further?
Do I get a grace period on my consolidation loan?
How long will it take for you to get my loans consolidated?

OK, now - Applying

What do I need to do?
How do I know if I'm eligible for a consolidation loan?
How much does it cost to consolidate my Federal Loans?
What if I don't know who currently holds my loan?
Will you check my credit before approving me for a consolidation loan?
Should I continue paying on the student loans that I am consolidating, while my application is in process?

Now, the core question - Repayment

Once I have taken out a Consolidation loan, can I add any new loans to it?
What are my repayment plan options?
When do I start repaying my loans?
If later I decide to switch to a different repayment plan, can I do so?
Can I pay more than the minimum loan payment required for each month?
Are deferments and forbearance allowed under a consolidation loan?

You guys know the right answer? Shoot me a message then.