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This web page federalloan-consolidations.blogspot.com states the following, "Dos of debt consolidated credit." We saw that the webpage said " Students before dealing with the consolidated loan should thoroughly research about the terms and conditions of the loan and opt for the right companies which are providing the right option to get relief from the debt." It also said " Know about the student consolidation loans. This student consolidation loan helps in three ways. It helps to actually reduce the monthly payouts. The life of the loan is increased."