We recommend this exit counseling tool to all students who have borrowed loans from the federally insured loan program and are now planning to graduate, leave school or drop below half-time. If you do not wish to provide your SSN, we invite you to attend an in person Exit Counseling session or complete and return the questionnaire provided in the exit counseling letter. Use caution before deciding to consolidate any loans. Consolidation is generally replacing multiple loans with a single loan. This means you would lose any lender based benefits or discounts when you consolidate.
Consolidation often prolongs the repayment period of the loan.
The longer it takes to repay a loan, the more it will cost you in interest payments. It is not often advantageous for Arizona borrowers to consolidate their loans. Return to The University of Arizona OSFA Home Page. This page last updated March 22, 2001.