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Sallie Mae loans can be consolidated with other federal loans, but not with private loans.

For federal loan consolidation, the government allows multiple federal student loans to be combined into a single loan, lowering monthly payments.

This is particularly true for grad school borrowers who use unsubsidized Direct loans and Graduate PLUS loans to finance their education.

offer benefits and protections that do not transfer to private lenders.

So thru school I took out 130,000 in private loans thru Sallie Mae.Managing federal student loan debt is complicated enough.But as many people have learned the hard way, navigating the world of private student loan debt can be quite a bit worse.If students want to consolidate other federal student loans with Sallie Mae loans, they have to apply directly to the U. Department of Education's Federal Student Aid division.Sallie Mae used to allow student-borrowers to apply for the consolidation of federal loans directly, but this is no longer the case.

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