•	If you want to consolidate a defaulted loan, you must either make repayment arrangements on the loan with your current loan servicer. •  You must have at least one Direct Loan or FFEL Program loan that is in a grace period or repayment.
•  If you want to consolidate a defaulted
Student consolidation loans have a single fixed rate for the term of the loan. When dealing with multiple loans, the rate is calculated differen At the bare minimum, he should have turned to consolidation to manage his loans at the six-month mark.
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