For years, student loan consolidation was often viewed as a simple way to combine federal loans, simplify repayment, or make certain loans eligible for federal programs. Today, I look at consolidation differently. “Consolidation used to be viewed primarily as a way to combine loans. After July 1, it can also be a decision about which repayment system you will live under going forward.” That is something every borrower should understand before submitting a consolidation applic
