The Direct loan program will only refinance him on the Sallie Mae loans, but offer 5.95%. They will not do the PLATO loan. CFSloans will consolidate all the loans, but at 8.25%. Does anyone know of someone who will do all the loans at a rate near the 5.95% offered by the Direct Loan program? If not, he may just do the Sallie Mae loans at the lower rate and concentrate on paying off the PLATO loan quicker. Thanks for your help.