Getting best rate during Student Loan Consolidation?

[Anonymous]

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?

[Author]

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