Student loan consolidation rate differ from state to state and I beleive situation to situation. In order to get best possible Student Loan Consolidation Rate, you need to bargin with your lender. This is not an option sometimes.

Federal Consolidation Loan program is based upon the student’s need to consolidate all loans into single loan. Hence its objective is to help students and not to take advantage of the situation. Hence a fair and realistic loan consolidation rate is expected.

Let me know if you know more about this.