I used it to consolidate my bad debt. 

This area in this location has 3 waves of pricing. 2 years up and 1-year consolidation.

The federal loans were consolidated and refinanced at less than 3% - I have made no more than monthly payments on them, and continue to do so. 

Then, they kept sending me those nasty letters telling me my new rate was 2.4% (if I hadn't consolidated).  

I ended up going through e-lend (really cheap, pretty good service) as a consolidator, but that only worked because I am just getting started and my debt/income ratio is not an issue.

Consolidating credit card debt is another thing entirely since they have such high interest rates usually. 

I can see us consolidating our investments in various cities in FL and SE US once we move down there, and managing them ourselves some day. 

It would be great for consolidating all the different ideas and info.  

One thing that was discussed is that Collage which has not changed in 100 years may never be the same with all the on line class's.. so you could see a retreat or consolidating collage campuses and the associated housing for the students..

Or is it better to consolidate and bring all properties under one PM?