There’s a good chance you are eligible for a federal consolidation loan. Requirements vary by each lender, so check with them for more information on their fine print. Here are some general guides for eligibility:
Just about any federal loan – whether from the former Federal Family Education Loan (FFEL) program or the Federal Direct Loan program – can be consolidated. Private student loans that come from private lenders such as banks and are not subsidized or guaranteed by the government cannot be consolidated under federal loan consolidation guidelines. You can, however, consolidate your private student loans into private consolidation loans.
Also, if a student took out loans in his or her name, those loans cannot be combined in a consolidation loan with loans that a parent took out for the student. If the borrowers are different, the loans have to stay separate.