Consolidating debt good
You can consolidate all, just some, or even just one of your student loans.
Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.
As you weigh the pros and cons, keep in mind that timing is critical.
With just a few exceptions, you get only one chance to consolidate with the government loan programs.
Companies that offer credit counseling do not loan you money.
Instead, they negotiate with your current creditors to get you debt relief.