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In cases like this, consolidating your student loans could help you manage your loans more efficiently. Here’s what to keep in mind before you dive into student loan consolidation.Although consolidating won’t save you money, it can make repaying your loans easier.Here are three situations when consolidating your student loans might make sense for you: 1. If you’re struggling to make your payments under a 10-year, Standard Repayment Plan, consolidation can help reduce your monthly payments.Plus, if you have debt left over when the repayment term is up, it will be forgiven (but taxed as income). That means the interest and monthly payment can change according to market conditions.If you want the stability of a fixed-rate loan with steady payments, consolidating can help.