If you’ve only used one lending source, you may have limited options on who to consolidate with. government are always more borrower-friendly than private student loans. Finally, you can get information on loans and view current rates at this Direct Loan page.
If you’re still in school now, consider getting loans from other lenders so that you have more choice when you graduate. Think carefully before mixing the two types (for example, you'd need a good reason to consolidate federal student loans under with a private lender). You cannot consolidate student loans with your spouse, but joint consolidation was possible before 2006.
Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.
This means, for example, that a Perkins Loan on its own cannot be consolidated into a Direct Loan.
In addition, you will have an unpleasant time if you get divorced and have your loans held jointly.The main reasons to consider student loan consolidation are: Depending on your circumstances, these may or may not be that interesting to you.If you’re not worried about rising interest rates, for example, then you might not care about getting a fixed rate.The purest form of consolidation is only available for federal loans, but it is possible to combine private loans. You can consolidate all, just some, or even just one of your student loans.