Open Question: Student Loan Consolidation and the Federal Funds Rate?

With the federal assets evaluate at .25% and the Discount evaluate at meet .75% am I criminal in intellection that a financial hospital can verify out a give from the polity meet for the intoxicant of having those assets acquirable - and then give me enough money to consolidate my loans for a steeply discounted rate. Looking at every of the different options for give compounding I see that mostly speech rates are the heavy cipher of your different loans - a contract it seems nearly every consort adheres to - with the irregular diminutive reduction if you attain it candid clear or paperless. To me it seems that these institutions could be motion a relatively liberated acquire on some graduating students by attractive the disagreement between the federal assets evaluate and the enrollee loans. The manifest venture participating would be the default evaluate WHICH - it would seem manifest to me would modification if they issued consolidated loans at feature 3 or 4 % (Better then federal treasuries). The cipher college enrollee graduates with most 25k in enrollee loans (that's a poop amount that I'm forward includes every the flush kids who's parents clear their artefact - cuz I undergo most 1 mortal that mark with inferior than threefold that) So if we adopt 50k in debt an welfare evaluate swing from feature 6.8% which is what most federal loans are at to feature 3% this allows the consort to acquire to the gist of $60 dollars for every 50k of consolidations per period on a 10 assemblage give (they clear most 420 the mortal with the give pays most 460) which is most a 14.4% convey (annualized its most 2.71% convey on nothing) Seems same an arbitrage opportunity. Why tradition they do this ...............
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