Does anybody have an account through Citi for their student loan? I stareted off in June 09 with a $18K balance. I have made payments to it since then on time. The payoff balance every month keeps creeping up. I'm now at $20K, and I've been making my payments. They've got me on a 6.9% interest rate. My local credit unions and banks will not transfer student loans. Is that Right?? If so, how the fuck do they expect people getting out of college to EVER pay that off???? *Pulls hair out* why do I always get fucked? *End of rant* For those of you that have student loans - what interest rate are you paying, and if it's lower than mine, who do you suggest I transfer it to?