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The decision of whether or not to consolidate your student loans depends on your previous borrowing history and where you are in the repayment process. You can apply for a Direct Consolidation Loan once you have entered repayment from as early as the beginning of your grace period. If you are considering consolidation, you should discuss your particular situation with a Financial Aid Counselor, or log-on to the Federal Direct Loan Consolidation Information Center for more guidance.