Keeping your loans separate in their original forms allows you to target each one individually so you can pay them off faster.
In most cases, consolidating student debt gives you access to several types of repayment options that can make monthly payments more affordable.
You may be able to lock in a good interest rate for the entire debt amount and stretch out your repayment plan from 10 years to 25 or more.
Just be sure to consider federal consolidation options that provide flexible repayment plans, forgiveness options, and deferments.
To take advantage of the convenience of loan consolidation without paying more over the life of the loan, stay away from extended repayment plans.