[debtfreeme]

Also, if you can consolidate them with the company you took them with, do not use some outside agency, they can make any rules they want regardless of what kind of loans they are.

If you choose to go this route, check with the BBB and feds to see how they are regarded. Ask to speak to students who have consolidated with them and READ EVERYTHING you can about them. Dont just use a service that send you something in the mail. They got your info simply because they accessed your credit report and saw you have loans. Often they get brochures from some of the larger and more private schools on graduation day and just start checking. They make money and are there to make money, NOT to hlep you save money.