How can I combine a personal student loan with a regular student loan so I am not paying 2 payments?? Help me!

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How can I combine a personal student loan with a regular student loan so I am not paying 2 payments?? Help me!

2007-03-28 08:06:06 · 3 answers · asked by Miguel G 1 in Education & Reference ➔ Financial Aid

3 answers

2007-03-28 08:28:46 · answer #1 · answered by FinAidGrrl 5 · 0⤊ 0⤋

2016-09-28 16:18:43 · answer #2 · answered by Cassey 3 · 0⤊ 0⤋

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

I assume that by "regular" you mean "Federal" (i.e. Stafford and Perkins) and by "personal" you mean "private" (i.e. a Sallie Mae Signature Loan or a Citibank CitiAssist Loan).

Frankly, it is never advisable to consolidate your federal student loans with your private student loans. A Federal Consolidation Loan can *only contain* other *Federal* student loans, so if you encounter a company that seems willing to consolidate your Federal and private loans *together* -- don't do it! What you'd be getting is a *private* consolidation loan. The last thing that you want to do is turn your federal debt into private debt. In doing so, they would cease to be guaranteed by the Federal government, you might not get a fixed interest rate, and you probably won't get the deferment benefits that come with Federal Consolidation Loans.

It IS, however, possible to get "combined billing." If your loans are held by the same lender, they will often be able to send you one bill so that you only have to write one check a month. So, if, for example, your Stafford Loan is held by Lender A and your private loan is held by Lender B, you *could* do one of like the following:

Scenario 1: Keep your federal loans with Lender A. (If you want to, you can also lower your monthly payment on your federal loans by consolidating them with Lender A.) Then, take your private loans and apply for a Private Consolidation Loan, also with lender A. Your private loans, which were once owned by Lender B, would now be owned by Lender A. If Lender A offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario 2: Keep your private loans with Lender B. Then, take your federal loans (which are currently with lender A) and apply for a Federal Consolidation Loan with Lender B. Assuming Lender B offers combined billing, they will now be able to bill you for all loans at the same time.

Scenario C: Pick a different lender ("X") who offers combined billing AND private loan consolidation. Take your federal loans and apply for a Federal Consolidation Loan with Lender X. Then take your private loans and apply for a Private Consolidation Loan with lender X. Assuming they offer combined billing, lender X should be able to bill you for everything all together.

So, what you need to find out now is (a) do either of your current loan companies offer combined billing and (b) do either of your loan companies offer private loan consolidation. Off the top of my head, the following student loan companies offer private consolidation AND federal consolidation:
Sallie Mae: http://www.salliemae.com/content/private...
Key Bank: https://www.key.com/html/h-1.39.html...
Wells Fargo: https://www.wellsfargo.com/student/repay...
Nelnet: http://www.nelnet.net/marketingprod/scho...

2007-03-28 08:49:20 · answer #3 · answered by Lyon 2 · 0⤊ 0⤋