Just a quick comment.? Being a busy Baby Boomer, we tend to skim through the mail and throw most of it in the trash or recycle.? You have probably received some offers to consolidate your student loans.? If you have multiple student loans for yourself or your children, make sure you consolidate them before the student gets out of school! I have used “NelNet” (http://www.nelnet.com) and save quite a bit of money.? Look at it now while interest rates are low.? Look for special savings for on-time payments and/or other incentives.

Rick