Federal loans (government loans).
Private loans (loans from another financial institution).
Eligible student loans include Federal Stafford, Federal Direct, and Grad PLUS Loans, as well as any private student loans in your name.
Eligible guardian loans include Federal PLUS Loan and Private Parent Loans taken out for a child, as long as parent or guardian is the primary borrower on all the loans to be consolidated.
Please keep in mind that if you choose to combine federal loans by refinancing, you may lose out on forgiveness and repayment options that are exclusively available through federal loans.