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You might have a mix of both federal and private loans and have several different loan servicers.
Consolidating all your debts into one loan might appear to make life easier but there might be much better ways of dealing with debts.
Find out more about how debt consolidation loans work, then get free debt advice before you make a decision.
One way to consolidate your debt is to apply for a federal Direct Consolidation Loan.
With this method, the Direct Consolidation Loan is used to pay off your old debts.