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smg53 wrote:
If the interest rate for student loan is 12% then it is most likely a private student loan since federal loans have interest rate caps. You cannot consolidate private student loans with great fixed rates like the federal loans. Generally consolidating private loans involves variable rate loans and long repayment terms, so they may not offer the benefits that the OP wants. I also agree with another about the tax benefits of keeping the student loan vs. consolidating with a private loan.