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Over the last several weeks, I've had 2 different readers reach out about student loan consolidation.Both of them were going down a scary path with not very reputable student loan consolidation companies.Loan consolidation is when a borrower takes out a new loan to pay off several smaller student loans.

Then, there is the problem of student loan debt on top of it.You also could look at a personal loan to pay off your balances. Consolidation provides grads with the ability to combine their student loans into one megaloan, but it comes with drawbacks.There are three major types of debt consolidation: Debt Management Plans, Debt Consolidation Loans and Debt Settlement.These are not quick fixes, but rather long-term financial strategies to help you get out of debt.

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