Unless the borrower was disbursed a direct stafford loan subsidized or unsubsidized heshe must be out of school to be eligible for a federal consolidation loan. Will i only have one consolidation loan. You must choose the best time to apply for a federal loan consolidation program. First of what is student loan consolidation. Here are some advantages and disadvantages to consolidation. Federal loan consolidation is the process of taking all of your federal education loans stafford perkins etc.
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