We discuss the Pros & Cons of debt consolidation . It can be really beneficial for someone looking to simplify their finances but be aware of Debt Settlement Services disguised as a Debt Consolidation Service. We go into student loans and the difference between Federal and private loans. Also here is a Student Loan Consolidation Calculator to see if consolidation works for you. https://www.nerdwallet.com/article/loans/student-loans/student-loan-consolidation-calculator