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Which loans should you consolidate? You can consolidate Perkins, Stafford and Plus Loans (parent loans for scholars) and even some formerly consolidated loans. Sadly, you can't consolidate private loans that are not federally guaranteed[**]. Additionally , most lenders will only consolidate loans for students with loan balances of more than $7,500. For almost all of you, this threshold won't be an issue. According to a recent Nellie Mae study, the average student owes a median of $18,900 in student loans on graduation.

Arun Ranganathan is a risk manager for an enterprise capitalist firm he set up on his own with his brothers in 1997. Prior to that, Arun works as a risk analyst in a private bank and is married with 3 kids whom are in their university years. Now residing in Ohio, he plans to make it his permanent home

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