<p>I’m just curious. Do you all keep the same loan lender for all 4 (or more) years or college? </p>
<p>I’m currently using Key.com loans, but I have a friends using places like Sallie Mae and Citibank. Key seems to take forever to disburse loans, I’m to the point of almost having my schedule canceled every semester with them because an application with them can take up to 2-3 months. And their APR is 6.42-6.91, which seems steep to me. I’m paying back $5,200 for a $3,500 loan. So If I changed lenders for my remaining years, would i still be able to consolidate everything? Or are you generally not supposed to switch lenders. I originally didn’t want them, but my father had agreed to pay the remaining money after grants and Stafford and then changed his mind two weeks before school started and then my mother got turned down as a cosigner at several of our local banks so I had to essentially take what I could get.</p>