Maria is trying to decide whether she should consolidate her 3 personal loans into one loan. The credit union is currently offering her 7% for a consolidation loan. The three she currently has have three different rates. Her loan with M&T is at 6% and has a balance of $10,000; Her loan with WSFS is at 11% and has balance of $6,000; Her loan with Americas Bank is at 8% and has a balance of $25,000 for a total of $41,000 in loans. Should Maria consolidate her personal loans to the 7% offered by the credit union?