[debtfreeme]

my federal loans are consolidated and i have forbearance and deferment rights. I am in school for 6 units each semester to save the interest i have to pay. i still pay the minimums even though i am not requred to because part of one still will accrue interest as it is unsubsized. I have been doing this for year, perfect excuse to take a class or two and enjoy a new subject and puts myloans into deferment. If the consolidator gives out loans they must use the fed gov guide lines and give you forbearance and deferment capabilities but read the paperwork carefully.

You need to check, not all consolidation programs are the same. I loved mine with VSAC, they were quick and easy and a god experience. Get the lowest rate you can.

Be careful consolidating your loans together. If something was to happen to you or your husband and they had passed on, you are still responsible for paying it all back. be very careful. Most people recommend just consolidating your individual ones, not together wven if you are married because you will end up losing money in the end.