On loan is a fixed interest rate at 6.8 (30k)and my other is a variable interest rate that just decreased to 3.61 (14k). What is the advantage to consolidating them if I am perfectly fine with the amount I pay on both per month? Is it a better long term plan to consolidate these two loans or would it be better to just leave them seperate and continue with my payments? Thanks to anyone that would know the answer.
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