Consolidation lets you combine all of your Direct and/or Stafford loans into a single loan.
Students who are in school are not eligible to consolidate their loans.
Students may consolidate while they are either in their grace period or in repayment. Consolidating during a grace period can result in losing some of the grace period but waiting until the loans are in repayment will result in a higher interest rate.
More information about consolidation of loans
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