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WARNING: It is very dangerous to consolidate federal loans into a private consolidation loan.
You will lose your rights under the federal loan programs once you choose to consolidate with a private lender.
Another common problem is that partial discharge of a joint consolidation loan under any of the discharge programs (other than death discharge) does not eliminate joint liability for the remaining balance.
Further, borrowers with joint FFEL consolidation loans, according to the Department, may not reconsolidate into Direct Loans and therefore are not eligible for public service loan forgiveness. The fixed rate is based on the weighted average of the interest rates on the loans at the time of consolidation, rounded up to the nearest one-eighth of a percentage point.
Borrowers in default may also consolidate in certain circumstances.
Consolidation was previously available to borrowers while they were still in school. Congress also eliminated joint consolidation for spouses, effective July 1, 2006.
(see box below), You can consolidate during grace periods.
You can indicate this when you apply, and the consolidation servicer will wait to process your application until the appropriate time.
These circumstances are: Borrowers cannot consolidate private student loans with the federal consolidation loan programs.
However, if you have private loans, you may want to think about consolidating these loans into a new private consolidation loan.
This means, for example, that a Perkins Loan on its own cannot be consolidated into a Direct Loan.
You may consolidate with Direct Loans during grace periods, once you have entered repayment, or during periods of deferment or forbearance.
You can consolidate all, just some, or even just one of your student loans.