Should I Consolidate My Student Loans? The Definitive AnswerShould I Consolidate My Student Loans? Here's What To Should I Consolidate My Student Loans? The Definitive Answer8/1/2019 · You should only consolidate your student loans if: It won’t cost you anything to consolidate them. You can get a fixed interest rate instead of a variable rate. Your new net interest rate is lower than your current net interest rate. You don’t sign up for a longer repayment ;· Typically, when you consolidate your loans, your new interest rate will be the weighted average of your former loans' interest rates. In fact, while consolidating can reduce the total amount so means losing access to all federal benefits, discharges, repayment options and other protections. You should only consolidate your federal loans into a private loan consolidation if you have an extremely robust emergency fund, steady employment, and a very affordable реда · 10/5

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