There are a few variables that could impact the recommendation for a situation like this:
First of all, if you are talking about going from 3 lenders to 4, this change is minimal enough that it will likely not have a significant impact on your credit score.
Second of all, you should consider the difference in interest rates to determine how significant it will be. Overall, the money that you can devote to decreasing your loan amounts will have a greater impact on the time it takes to repay the balance, than a small change in the interest rate. In other words, payments will trigger the long-term result more than the interest rate.
In conclusion, while having more accounts open could negatively impact your credit score, paying the debt off sooner will have a positive effect on your credit score. If consolidating/refinancing will significantly impact your ability to pay off the loans quicker, it might be a good idea, in spite of the potential negative impact of having multiple accounts. However, remember that the most important driver in the process will be your payment amounts. It might be a good idea to make double payments, when possible.
Best of luck!
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