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"Essentially, if you're consolidating loans with a private lender, you are also in fact refinancing those loans," according to So Fi, a peer-to-peer lender based in San Francisco.

In other words, refinancing is when a borrower applies for a loan under new terms, and uses that loan to pay off one or more existing student loans.

"Students and graduates should work with their financial aid office and take student loan counseling and spend time educating themselves to see what works best for them." For more information on consolidation and refinancing, view ADEA's educational debt management materials here.

There was a moment after graduation where I wondered if it was worth it…

Only direct loans (Stafford, Grad PLUS and Federal Consolidation Loans borrowed through the federal government's Direct Loan Program) are eligible for Public Service Loan Forgiveness.

Also, repayment terms may be extended to 30 years, which lowers monthly payments but adds to total repayment costs if it takes the full 30 years to repay.

For graduates who don't need those federal benefits, he said, refinancing sooner is better than later.

Consolidating federal loans also allows borrowers to convert former non-direct loans to direct loans.

"I did it for simplicity." In addition, he estimates to save about ,000 in interest over the next 15 years.

But like all major financial decisions, consolidation or refinancing comes with potential advantages and disadvantages. refinancing First, while they're often used interchangeably, there is a difference between consolidation and refinancing.

Jenna Hatfield, of Lincoln, Nebraska, who will begin making monthly payments to her 0,000 student loan in November, a simple consolidation of her federal loans was the way to go.

Those federal benefits were important to her as she intends on doing an income-based repayment plan.