Getting best rate during Student Loan Consolidation?

Credit and mortgage advice Forums Consumer Credit Debt Management Getting best rate during Student Loan Consolidation?

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      I have $ 120,000 in 9 student loans with a monthly payment of $ 1,084.

      $ 22,000 are Federal
      $ 98,000 are Private

      My FICO is 725 and my debt-to-income is currently 43%.

      Is now a good time to consolidate student loans?

      How do I choose a bank that will give me the best rate for my private loans?
      I’m currently with Wells Fargo (Note: Chase isn’t accepting applications, right now)

      I’m going to consolidate the private and federal loans separately to take advantage of the federal loan perks, if needed. Should I consolidate my private or federal loans first, to improve my debt-to-income for the second? Or will it matter?

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