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You can consolidate all, just some, or even just one of your student loans.Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea.

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If you have Perkins loans, think twice before consolidating them; you’ll lose access to Perkins loan cancellation if you do.

Federal loan servicers are private companies that manage federal loans for the Department of Education.

Learn more about when to consolidate and refinance federal and private loans.

There are two types of student loan consolidation: federal and private.

So, for instance: If the average comes to 6.15%, your new interest rate will be 6.25%.