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Many students who enter college must take out loans to pay off their tuition, room and board and other expenses.

The thousands of dollars in student loans can be overwhelming for some people, and they wonder how they will pay off all their loans on time.

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[]; var _dm_insite = []; _dm_Alias = '6eae522e'; _dm_gaq.system Aggregated Gaq ID = 'UA-7265702-9'; _dm_gaq.external Gaq ID = 'UA-8724834-23'; _gaq.push(['_gat._force SSL']); if(_dm_gaq.system Aggregated Gaq ID && (_dm_gaq.system Aggregated Gaq ID ! And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Private consolidation is often referred to as refinancing. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. " There are two types of student loan consolidation: federal and private.

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