Students can still consolidate their loans with the US Department of Education's Federal Direct Loan Consolidation program at loanconsolidation.ed.gov even if their college does ~~~ . ~~ . ~~ . ~~ . ~~

• loanconsolidation.ed.gov/

In the United States both the Federal Family Education Loan Program (FFELP) and the Federal Direct Student Loan Program (FDLP) include consolidation loans that allow students to ~~~ If you are consolidating loans with different interest rates, theweighted average interest rate will always be in between. ~~ More importantly, the amount ofinterest you pay over the lifetime of the loan will be about thesame.(For the mathematically inclined, there is a slight differencedue to the different shapes of amortization curves at each interestrate. ~~ Using the weightedaverage, $15,000 at 6.2% has a monthly payment of $168.04 and a totalinterest paid of $5,165.01. ~~

• finaid.org/loans/consolidation.phtml

Student Loan Consolidation - Consolidate your student loans to lower your monthly payment for federal and private student loans. . ~~ . ~~ . ~~ . ~~

• en.wikipedia.org/wiki/Federal_student_loan_consolidation

StudentFirst is an industry leading Federal Student Loan Consolidation Company. StudentFirst provides cutting edge technology with quality sales and customer service to make your ~~~ . ~~ . ~~ . ~~ . ~~

• studentloanconsolidator.com/

Your free and neutral resource on career, college, financial aid, and money management . ~~ . ~~ . ~~

• studentfirst.com/

Find consolidation loans for both federal and private student loans. Apply online, quick turnaround. sponsor site. ~~ . ~~ . ~~ . ~~

• mappingyourfuture.org/paying/consolidation/

Frequently asked and answered questions about federal student loan consolidation with the Student Loan Network You still have options, however. ~~ Consider obtaining a federal consolidation loan from the Department of Education's Direct Loan Program. ~~ Use the calculator at the Department of Education's Direct Loan Program site to help you estimate. ~~ ----Financial Aid AlertsStay on top of the process. ~~

• simpletuition.com/consolidate_student_loans

For example, your rate would be higher if you consolidated a 5 percent Federal Perkins Loan along with a 6.62 percent Direct or FFEL Stafford Loan. . ~~ . ~~ . ~~ . ~~

• studentloanconsolidator.com/consolidation/faq.php

Comprehensive guide to consolidate student loans at the lowest interest rate available. Get eligibility and student debt refinancing information. The borrower will then receive notification about the consolidation loan, normal consumer disclosures, the amount owed, and if appropriate, where to make payments.FFEL Consolidation Loan Weighted Average Interest RateConsolidation loans have fixed interest rates that are based on the weighted average of the interest rates on the loans being consolidated. ~~ PLUS Loan borrowers (parent and graduate/professional degree students) can also consolidate their loans. ~~ TTY users may call 1-800-557-7395. ~~ Contact your loan holder for more information.Eligibility Requirements: To qualify for a Direct Consolidation Loan, borrowers must have at least one Direct Loan or Federal Family Education Loan (FFEL) that is in grace, repayment, deferment or default status. ~~

• studentaid.ed.gov/PORTALSWebApp/students/english/consolidation.jsp?tab=repaying