For all of you who got suckered into consolidating your loans when you left school, before interest rates reached recent historic lows, there may yet be hope. The Washington Post has an article about three bills currently pending in Congress that would allow consumers to refinance their student loan debts. I’m not sure how The College Loan Assistance Act of 2003 would work for those of us who have already consolidated at a fixed rate (I guess it just guarantees you a rate of 6.8%). Now if only The Student Loan Fairness Act would allow for *fixed* rates, I’d be a very happy camper.