federal bonds (government bonds).  personal loans (loans from other financial institutions).  Eligible student loans include Federal Stafford, Federal Direct, Grad PLUS Loans, and private student loans on your behalf.  Eligible guardianship loans include federal plus loans and private parent loans made for children so long as the parent or guardian is the primary borrower of all loans being consolidated.  Please note that combining federal loans through refinancing may result in the loss of forgiveness and repayment options available only through federal loans.