Did you consolidate your Stafford loan?

[Sam Spade]

Option 3 (rich)

Actually, just wait for the next recession (to some people here, we've never been out of a recession) and the Fed will start lowering rates again and then reconsolidate.  Variable rates are for losers (or those with so-so credit history or no cash), unless the term is ultra-short (under 1 year or so, 2 years max)