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    <title>topic To consolidate or to not consolidate??? in Student Loans</title>
    <link>https://ficoforums.myfico.com/t5/Student-Loans/To-consolidate-or-to-not-consolidate/m-p/310455#M1113</link>
    <description>&lt;DIV&gt;Hello all! I ahve a question and am looking for some feedback/suggestions. I graduated a year ago and am trying to figure out whether or not to consolidate my student loans. I have about 21,000 to pay back. I have a perkins loan, 4 self loans all through Firstmark Services, and one stafford through Great Lakes. My interest rates are pretty low but sometimes I find myself overwhelmed keeping track of them. One of them is on automatic payment. Any suggestions??? Thank you!&lt;/DIV&gt;</description>
    <pubDate>Tue, 05 Aug 2008 23:19:25 GMT</pubDate>
    <dc:creator>Hoppsa</dc:creator>
    <dc:date>2008-08-05T23:19:25Z</dc:date>
    <item>
      <title>To consolidate or to not consolidate???</title>
      <link>https://ficoforums.myfico.com/t5/Student-Loans/To-consolidate-or-to-not-consolidate/m-p/310455#M1113</link>
      <description>&lt;DIV&gt;Hello all! I ahve a question and am looking for some feedback/suggestions. I graduated a year ago and am trying to figure out whether or not to consolidate my student loans. I have about 21,000 to pay back. I have a perkins loan, 4 self loans all through Firstmark Services, and one stafford through Great Lakes. My interest rates are pretty low but sometimes I find myself overwhelmed keeping track of them. One of them is on automatic payment. Any suggestions??? Thank you!&lt;/DIV&gt;</description>
      <pubDate>Tue, 05 Aug 2008 23:19:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Student-Loans/To-consolidate-or-to-not-consolidate/m-p/310455#M1113</guid>
      <dc:creator>Hoppsa</dc:creator>
      <dc:date>2008-08-05T23:19:25Z</dc:date>
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    <item>
      <title>Re: To consolidate or to not consolidate???</title>
      <link>https://ficoforums.myfico.com/t5/Student-Loans/To-consolidate-or-to-not-consolidate/m-p/310504#M1116</link>
      <description>&lt;DIV&gt;&lt;DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;Hoppsa wrote:&lt;BR /&gt;&lt;DIV&gt;Hello all! I ahve a question and am looking for some feedback/suggestions. I graduated a year ago and am trying to figure out whether or not to consolidate my student loans. I have about 21,000 to pay back. I have a perkins loan, 4 self loans all through Firstmark Services, and one stafford through Great Lakes. My interest rates are pretty low but sometimes I find myself overwhelmed keeping track of them. One of them is on automatic payment. Any suggestions??? Thank you!&lt;/DIV&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;Unfortunately you cannot consolidate your Self loans with your federal loans,&amp;nbsp; at least thru any government program.&amp;nbsp; You can however consolidate your stafford and your perkins together.&lt;BR /&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Wed, 06 Aug 2008 00:11:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Student-Loans/To-consolidate-or-to-not-consolidate/m-p/310504#M1116</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-06T00:11:49Z</dc:date>
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