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June 30 is the last day to consolidate variable-rate college loans into fixed-rate loans before rates begin to rise. This date applies to both Stafford loans and student loans, and Plus, or parent loans. Consolidation and repayment rules vary depending on whether your loan came from the government or a commercial lender. Students don't have to start making payments on Stafford loans until they have finished school, and have a six-month grace period after graduation. Some tips for students considering loan consolidation include looking at the total cost, comparing rates, comparing repayment terms, and inquiring carefully about penalties. About the author: Mike Adams is a holistic nutritionist with a passion for teaching people how to improve their health He has authored and published thousands of articles, interviews, consumers guides, and books on topics like health and the environment, impacting the lives of millions of readers around the world who are experiencing phenomenal health benefits from reading his articles. Adams is an independent journalist with strong ethics who does not get paid to write articles about any product or company. In 2007, Adams launched EcoLEDs, a maker of energy efficient LED lights that greatly reduce CO2 emissions. He's also the CEO of a highly successful email newsletter software company that develops software used to send permission email campaigns to subscribers. Adams is currently the executive director of the Consumer Wellness Center, a 501(c)3 non-profit, and pursues hobbies such as Pilates, Capoeira, nature macrophotography and organic gardening. Known on the 'net as 'the Health Ranger,' Adams shares his ethics, mission statements and personal health statistics at www.HealthRanger.org
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