The best bank through which to consolidate students is the one that will give you the lowest interest rate and who will actually approve your loan. This is really something you need to research yourself. The best bank for me or anyone else will most likely not be the best bank for you because our credit reports are different.

Definitely check with citibank first, then I’d also recommend checking out some of the following sites:

http://salliemae.com – big student lender

http://finfo.com – get up to four competing offers, no obligation

http://financialaid.com – student loans and consolidations

http://MyTuition.com – student loans and consolidations

Also, try http://bankrate.com – they might have a rate comparison where you can see all of the incentives and interest rates side-by-side.

Good luck!