Consolidation of loans allows a borrower to combine different types of federal student loans to simplify repayment. You can
even consolidate just one loan into a Direct Consolidation Loan to get benefits such as flexible repayment options. Because
consolidation programs vary, refer to the 2007/2008 Student Guide to Financial Aid Form from the U.S. Department of Education,
pages 33-35. Copies are available in the Office of Student Financial Aid or on the Department of Education's world wide web site: http://studentaid.ed.gov/students/attachments/siteresources/FundingEduBeyondHighSchool_0809.pdf.