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WARNING: It is very dangerous to consolidate federal loans into a private consolidation loan.You will lose your rights under the federal loan programs once you choose to consolidate with a private lender.

The loans that were consolidated are paid off and no longer exist.Sallie Mae loans are typically used by students who require additional funding once all other options have been exhausted.Students who turn to scholarships, grants, work-study programs, private funding and federal loans first, but are still not able to cover all the expenses involved with college tuition, books and accommodations, often turn to private lenders like Sallie Mae.Sallie Mae loans can be consolidated with other federal loans, but not with private loans.For federal loan consolidation, the government allows multiple federal student loans to be combined into a single loan, lowering monthly payments.Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.