Another College Loan Question??

[BC69]

As you recall from a month or so ago, my college loan situation is out of control. I just finished consolidating my federal loans at a fixed rate of 4.7% because it will increase to 6.7% in July.
Now I am on to my private loans, I have two private loans totaling shy of 60,000 for freshmen and sophomore year. One is a locked rate of 9%, but the other is a monthly variable stagnating at 13%. I want to consolidate at a FIXED rate. I have talked to a few places, including loantolearn.com bankofamerica, wachovia, and they are only offering variable rates at the Prime, even when consolidating.
Prime right now is 8%, and then they tack on a spread, and at my age and credit the spread is high, so it becomes a 12% rate too!! In just shy of a year I have gained $5,000 in interest alone! To curb the compounding I need to make payments of 442 a month just to cover interest. It will double or triple coming out of college.

Does anyone know where I can consolidate at a FIXED rate??! I mean I know you can get home loans at better rates than this!

BTW: If you have young kids, open a 529 savings plan, Now!!!


Thanks Guys,
Tim