Mark Kantrowitz
![Mark Kantrowitz](/assets/img/authors/unknown.jpg)
Mark Kantrowitz
worth
This is a no-brainer. It's worth your while to consolidate now.
rates
It's a no-brainer at this point. You want to consolidate before rates rise,
lowest point rates view
It is and it isn't. It is from the point of view that rates are the lowest they've ever been.
awards few money simply tend
There are very few scholarships that give money simply for breathing. Probably most of the scholarships are merit-based. Awards that are need-based tend to be loans.