So I quit school. Temporarily or permanently, I'll figure out later.So I quit school. Temporarily or permanently, I'll figure out later. But right now I'm in the grace period for repaying my loans, so I'm considering my options. I owe $21, 862 at a 4. 5% interest rate. What are the benefits of consolidating and would it even be worth it? According to the repayment calculator, I'm looking at about $226 a month as of right now. It's doable, but I'd rather have a smaller payment so we could save more. Is that very doable or realistic? I'm kinda lost and don't really have a lot of people to ask for advice on this, so any words of wisdom and welcome! Thanks so much in advance guys. So glad I found this group for such a weird and necessary phase in my life: My roaring, crazy, all over the damn place 20s.