Is There Any Benefit to Not Consolidating Student Loans?

loans

I graduated from college two years ago, and never consolidated my student loans. I believed (possibly wrongly) that consolidating was only vital if I wanted to lower my monthly rates but it wouldn’t have made a difference in the total cost of my student loan. My plot was to pay off large chunks of the loan and to have it paid off quickly. Would consolidating have made a difference in my loans, and will it make a difference now even though I’ve been paying the loans back for two years already?

Can FHA Loans Be Refinanced with a Non-goverment Mortgage Company?

refinanced

My daughter and son-in-law bought their first home about 10 years ago with an FHA loan. Obviously they were building a lower income at the time, but now they make a pretty honest living. The FHA loan payment has risen to over three times what it was when they obtained it. I realize the subsidy of FHA as starter loans, but now it looks as if they force do better with a refinance? Reckon? Advice? Thanks.