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Depending on your circumstances, these may or may not be that interesting to you.
A few of the biggies are: In general, consolidation is most beneficial when you consolidate federal student loans under as part of a government-sponsored consolidation program.You’ll likely get a pile of mail as you near graduation. If your loans are from government programs, it's often wise to consolidate under the federal Direct Loan program. They may have heard some recent success stories (and horror stories).Again, these loans have the most consumer-friendly features. If you decide to work with a private lender, be careful about combining federal and private loans.This new student loan is a private student loan that replaces your old student loans.Interest Rates: Student Loan Consolidation and Student Loan Refinancing 1.