Unfortunately there is no easy way of doing it at this point, but just be patient and you'll find a lender to do the consolidation.

Just my opinion…have financial goals as while in the uni to help/
Good Luck!!

You really should not bother with consolidation. For starters, if all your govt loans already have fixed interest rates you are all set. Second, you cannot consolidate private with federal loans. And you are unlikely to find a better deal to be honest than the rates you already have. Well maybe on the private loan.

You have to be careful about paying off all your loans with another non-education private loan because they will not likely offer forbearances or adjusted monthly payments in event of economic hardship. And the government loans are full of repayment benefits like unemployment deferments, economic hardship deferments and forbearances.

Your best bet is to put as much resources into paying off the private loan first, and then concentrate on your Stafford, and then Perkins. It is called debt stacking – paying off your higher interest rate loans first.

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