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With just a few exceptions, you get only one chance to consolidate with the government loan programs.

WARNING: It is very dangerous to consolidate federal loans into a private consolidation loan.

Now that you're finally done with school and entered the workforce, you may have been bombarded with emails inviting you to consolidate or refinance your loans.

There is no conversion of files when the files are copied.

Under the Direct Loan Consolidation Program, you can consolidate Subsidized and Unsubsidized Stafford Loans, Supplemental Loans for Students (SLSs), Federally Insured Student Loans (FISLs), PLUS Loans, Direct Loans, Perkins Loans, Health Education Assistance Loans (HEALs), and just about any other type of federal student loan.

Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.

It is also a risky one, a debt relief option so fraught with misunderstanding and negatives that most financial experts would recommend it only as a last resort. You, or a representative negotiating for you, make an offer to your creditor to settle the debt for less than what is owed.

For example, if you owed ,000, you might offer the creditor a lump-sum payment of ,000.

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