I already consolidated with Sallie Mae a few years ago. Can I consolidate again to get the lower interest rate? Would I have to consolidate under another company?

Also, if all my loans are with Sallie Mae, do I have to consolidate with them?

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You can consolidate again if you have additional loans that have not yet been consolidated (i.e., you went back to school after you consolidated and took out more loans at that time) in with the original consolidation loan.





In general, yes, but I think I'm unsure about what your question is (it's been a long week!). If you consolidated all of your loans and don't have any additional loans, then you should only have one loan with Sallie Mae -- your consolidation loan (all of your other loans would have been paid off with the consolidation). If you have more than one loan, then the above situation applies (you have additional loans that were not included in the original loan). If that is the case and your consolidation loan AND your additional loans are with SM, then, yes, you have to go to SM.

I hope this helps!! Good luck!

Thanks for the info!