Go Back To Search Results Question How can I consolidate private and federal student loans? I have 1 federal loan for $16,000 and 2 private loans for $3200 each. I would like to consolidate all of these to 10-12 year loan. Does anyone know anyone who can do this with any nice incentives? By Total Ruckus Posted on 04/15/09 Total Answers 2 Answers- You can't consolidate private loans with federal ones. Sorry. Your rates will be higher than what you are paying on that federal loan anyway. It is not in your best interest to consolidate for that reason. Just put your payments on auto draft so you don't have to worry about making 3 payments. Most of the lenders will give you a break in interest if you do this. Good luck. Answer by : Suddenly Human On Date 2009-04-15 12:37:29 try a few banks. Answer by : Dave On Date 2009-04-16 13:51:39   Go Back To Search Results