Hi all ~

I consolidated most of my loans through Sallie Mae several years ago. When I went on to pursue my teaching credential I was not required to begin payments as I was in "enrolled in school" status. I found myself unable to keep up with the financial demands of going to grad school w/o loans and, despite not wanting to take out more loans, I ended up applying for more.

Now I have a large sum that is owed to Sallie Mae and a few small sums that are owed to Wells Fargo. Can I add the WF loans into the larger amount owed to Sallie Mae? (I don't think this is an option, as the rate for SM is better than the rate for the WF loans.)

Should I try to consolidate the WF loans through someone other than Sallie Mae? This would leave me with two loan payments--one to SM and a smaller one to XYZ Company. As it stands I believe I have four small loans through WF.

Thanks ~

You can consolidate everything together, old and new providing they are all federal loans.. I would highly recommend the Direct Loan Program.

Wow! Thank you so much!!

I second that - Direct has some features that, if not now, may down the road cut your total loan substantially.

does anyone have a link for the Direct Loan Program?

Just google "Direct Loan consolidation"