I think I made the right decision

A while back, I wrote about all the research I went through in figuring out if consolidating my student loan was a good idea or not. This involved many internet searches and new skills, including knowing how the federal government sets the student loan rate every year. I have since made a bookmark to the Department of Treasury and have been checking the rates of 91-day T-bills, which is where they get the rate in the end of May. In my occasionally obsessive manner, I have went through and checked the performance of these T-bills as far as I could find them (November) to see what the trend was on their rates. I decided to consolidate when I noticed that the rate was significantly higher than last year when they set the rate, and that the rate only seemed to be creeping upward, all of which signalled to me that this year's rate is only likely to go up and not down (down would make consolidating a bad idea, for those of you too apathetic to actually follow this explanation.

Anyway, long and short of it: I've been checking the rate every week as it comes out. And it's only going UP!

Which means that barring any significant change in the market that somehow causes a crash or something, it seems that I will have made the right decision to consolidate now, i.e. the rates have gone down as far as they will go.

WOOT!