and a Stafford Student loan?
Student loan consolidation is when you separate from school (graduate or leave for other reasons) and want to combine all your student loans (including Stafford loans) into a single loan with one monthly payment. Sallie Mae offers student loan consolidation with a variety of repayment options - including a full percentage point reduction in your interest rate if you pay on time for 36 months. http://www.salliemae.com/consolidation...
Consolidated loan means that all of your loans are locked under my fixed interest rate. Both are still a government loan, but non-consolidated has a variable loan.
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