I can answer your questions about consolidation so you can weigh the pros and cons and decide whether a Direct Consolidation Loan is right for you.
do you recommend I consolidate a federal perkins loan?
If you have Federal Perkins Loans and you are employed in an occupation that would qualify you for Perkins Loan cancellation benefits, you should not include your Perkins Loans when you consolidate.
are there any qualifications to consolidate loans?
Yes, there are eligibility requirements for receiving a Direct Consolidation Loan.
Did you want to consolidate a defaulted loan?
none of the loans are in default
Did you want to consolidate a defaulted loan that is being collected through garnishment of your wages , or that is being collected in accordance with a court order after a judgment was obtained against you?
not that either, no defaulted loans here
what if I was to default before consolidating? what do I do?