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Other points: * a single loan or previously consolidated direct loan can be refinanced at the lower rate; * all loans do not have to be included in the consolidation; * a direct consolidation loan can be paid off at any time without penalty. 1, the consolidation interest rate will be based on the average rate of the borrower's underlying loans, weighted by loan size, rounded up to the nearest one-eighth of one percent, and capped at 8.25 percent....

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There are also sites dedicated to specific racial and ethnic groups, like Latino People Meet and Black People Meet....