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he has soemwhere liek 50k in student debt amonst what looked like 9 differnetl loans with sallie mae. He got in trouble with 3 and is in the process of rehabing them? auto deposit 100 bucks a month. But it's so many, I don't know how he is supposed to keep track. I suggested maybe he get a financial advisor? Or maybe consolidating these into something more managable.
Keep a spreadsheet that keeps track of the loans. Are they Federal loans? He could consolidate, but if he plans on paying more on them than the minimum the new loan will be a weighted average of the consolidated loans, so he effectively won't be able to pay off the high interest loans before the low interest loans.
Update. He got a three rehabbed, and a few more fell into delinguincy. So we have to work on those now.