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Loan consolidation can be helpful for borrowers who want to combine their eligible federal student loans into a single Direct Consolidation Loan.It's important to understand and carefully consider all factors before consolidating.Ideally, you would qualify for debt consolidation after graduation.

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You can see the full list of lenders below, but we recommend you start here, and check rates from the top 4 national lenders offering the lowest interest rates.

You can’t consolidate private loans in the federal Direct Consolidation Loan program, but some private lenders allow you to consolidate federal and private loans together.

The Direct Consolidation Loan program is the right choice if your goal is to simplify the process and keep your options open for the many repayment plans available for federal loans. Your rate is determined by the weighted average of the interest on the loans being consolidated rounded up to the nearest one-eighth of 1%.

Unlike other types of consumer debt, it’s impossible to refinance a federal student loan and have it stay a federal student loan. Elizabeth Warren (D-Mass.), Democratic presidential front-runner Hillary Clinton and others have proposed giving federal student loan borrowers the option to refinance their loans to take advantage of lower interest rates.

Market Watch and the Center for Financial Literacy held a panel discussion recently on the topic of all things related to student loans, at Champlain College in Burlington, Vt.