Must I combine or refinance my figuratively speaking? Consolidation combines loans into one payment that is monthly one servicer. Consolidating your loans will make it better to record your loans when you yourself have one or more education loan with over one servicer or business. There are 2 forms of consolidation loans. The sort of consolidation loans open to you relies on whether you’ve got federal or personal student education loans. Federal Direct Consolidation Loan You have the option to…