I consolidated my and my wife's loans using Sallie Mae a few years ago, ending up with a 30 year note. I work in the federal government, my wife is a public school teacher. I've been told in the past that, once you consolidate, you can't re-consolidate (obstensively to keep folks from taking advantage of lower interest rates). Is that still true? How do folks like me take advantage of this new law if they must be Direct consolidations?

Thanks.