"A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates."
I think you are looking to consolidate your loans. Yes? Typically a Perkins loan (& federal) are at the lowest possible rates. Be careful that consolidating does not increase your rate!
Perkins loans ( Federal) are at the lowest possible rates. I found interesting information about your answer, college loans, scholarships, college grants & partime works here. http://all-student-loan-consolidation.bl... Good luck!
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