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Federal Direct Loan Program (FDLP) loans include Direct Subsidized, Direct Unsubsidized, Direct PLUS (for parents of dependent undergraduate, graduate, and professional students), and Direct Consolidation loans.

Private loans, also known as alternative or nonfederal student loans, are made by private lending institutions.

Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea.

As you weigh the pros and cons, keep in mind that timing is critical.

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