When Should I Consolidate?

The answer to that question is primarily based on where you are in your life—whether you’re still in school or have become an alumnus. If you’re in “repayment” mode, meaning you’re all done with full-time school and the student loan bills are starting to come, then you can
consolidate now. If you’re in a “grace period” (the time right after you graduate but before you have to pay your student loan bills), you can consolidate. If you’re still enrolled in the program for which you borrowed, you can’t consolidate ......
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