Why can't I consolidate private and federal student loans into one loan?

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consolidate your federal and private student loans - SoFi

One of the biggest student loan myths out there is that borrowers can’t consolidate federal student loans and private student loans into one loan.

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Is it possible to consolidate both my wife and my own's federal and private student loans into one giant loan?

Hi, my wife and I are fixing to graduate from college this coming May. The big issue we face of course is that all of our student loans are going to begin coming out of deferment. We want to, if it's at all possible, consolidate all of these loans, including...

Answer:

NO. You can not combine two peoples student loans like this. Only thing you can do is, you two can go...

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Is it a better strategy to pay off one student loan at a time, or increase payments to all student loans in equal distributions each month?

I have 3 student loans - all Federal and with the same interest rate, but with varying balances - and am planning to pay all of them off (early) over the next 2 years. I will continue to make regular payments on all student loans. In terms of minimizing...

Answer:

You could apply the debt snowball method to your student loans. The snowball method calls for paying...

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Can I consolidate my student loans (one in my parent's name and one in mine)?

Two part question really: 1)I have a student loan in my name which I am paying off. Also my parents took a loan for my education which they are paying off but I am paying them each month for the monthly payment amount. Can I put their loan in my name...

Answer:

You can neither consolidate nor change the name on their loan. The only way to do what you want would...

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Is there a way to consolidate federal student loans to a private, variable-interest loan?

I have $80K in federal student loans with an average 7.5% APR and want to refinance them to variable-interest private loans (usually indexed to +/- 0.50% prime). Federal consolidation actually makes loans MORE expensive, and so far  companies are not...

Answer:

There are no prepayment penalties on federal education loans. So the only thing preventing a refinance...

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What is a good student loan lender to consolidate student loans through?

I get a lot of mailers from different places that look like legitimate student loan lenders but I'm not sure which ones to trust.

Answer:

I am assuming these are federal student loans. Federal student loans (stafford, plus, etc) have to be...

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How do I consolidate a Private, Parent Plus and Federal Loan, under a different name, all being Student Loans?

One is a Private under my name. One is a Parent Plus loan under my dad's name. One is a normal Federal Loan under my Father-in-law's name.

Answer:

Unfortunately, you can not consolidate private loans. And, it's possible that you can not consolidate...

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Is it a good idea to consolidate a bunch of small loans into one personal loan?

I have a bunch of small loans ( auto, credit cards, etc) and it's really annoying keeping track of. Would it be a good idea to apply for a perosnal loan, payoff all my little loans and just have one bill a month instead of 5 that are due at all different...

Answer:

Depends on what your intentions are going to be. Are you trying to prolong your debt? or trying to pay...

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Can I consolidate student loans from three different lenders all into one payment? For Instance.....?

OK....I don't want use the actual company names so I will use Bob, Pete, and Joe as my company names. I have students from three companies-Bob, Pete, and Joe. Can I consolidate all of my loans from those three companies and just make one payment per...

Answer:

If all your loans are federal loans, then yes. You can consolidate them. If you have both private and...

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Does anyone know if it is better to consolidate your student loans or just pay them off one by one?

I have 18,000 in student loans and only have 6 months until I start making payments on them. Most of them started out at 2.50% interest and are now at 6.0%. 6,000 of the debt is at ...show more

Answer:

Yes, typically it's to your advantage to consolidate. Sallie Mae has a good FAQ that tells you the advantages...

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