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Another pitfall with loan consolidation is you happen to be not allowed to combine federal and private educational loans. To consolidate these two associated with loan, have to have to separate the kids. Federal student financial aids are easier to consolidate because so many loans as an example the Perkins, PLUS, Stafford, HEAL, SLS,NSL, together with other federal educational aids can be consolidated with each other. On the other hand, it’s merge the private student loans by determining the right lenders, since NextStudent, Education loan Network, or Chase.