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Another downside of loan consolidation is that you are not in order to combine federal and private educational financial loans. To consolidate these two varieties of loan, have to have to separate them. Federal student financial aids are simpler to consolidate invariably loans in addition to Perkins, PLUS, Stafford, HEAL, SLS,NSL, and other federal educational aids can be consolidated altogether. On the other hand, perhaps merge in which you student loans by determing the best lenders, with regard to example NextStudent, Student loan Network, or Chase.