I have 5 total federal loans from my college days. They vary in interest rates from around 2.8 to 6.8%. As pure chance would have it, my bigger loans happen to have the higher interest rates between 6.0 and 6.8%. I just went to some consolidation site and type in my numbers on their calculator form and it claimed I would save around $ 80 a month if I consolidated. Is this a good idea or not?