You can consolidate your student debt after finishing your studies.
Most consolidation companies will expect you to have a minimum debt of $10,000 and you should either be in the grace period of the loan or making repayments towards the loan.

With a direct Federal student loan you can defer the payments of the loan for a period of up to 3 years.The interest on the loan which is usually fixed is also a tax deductible item when you file your tax returns. There are certain instances when the this type of loan can be forgiven by service or if you go for a higher education. The interest charged under federal loans can be lower if you have a good repayment history. So it is advisable to consolidate your Federal education debt together to enjoy the benefits that come with this type of loans.

However private student loans don't have the benefits and advantages like the federal student loans. Most are either secured or unsecured loan for debt consolidation and this loan must be paid like any other loan without any deferment or forgiveness.

Debt solution of credit counseling, debt settlement to elimin...