I found a company that negotiates with lenders on behalf of graduate students. They saved me mucho money on an in-school consolidation before July 06. I am not sure what they have to offer now that interest rates are higher and with the new addition of fixed rate loans. I am also not sure if there is more than one company that does this for students. The one I used charged no fee. If you want info, you can pm me (I don't want to break any forum rules for sounding like a sales person and posting the company name).