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Check out the info below to learn more about the pros and cons.For those working with the federal government, consolidation does not result in a lower interest rate, but it can make it easier to stay on top of your student loans with just one payment to make each month.Federal student loan consolidation is done through the United States Department of Education, where multiple federal student loans are combined into a single loan.It is not unusual to owe money to 8-10 separate lenders, maybe more if you had a combination of private and federal loans.If you continue borrowing for graduate school, it’s easy to add another 4-6 lenders to the mix.

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