You can consolidate all of your federal student loans into a Direct Consolidation Loan.
This will simplify your loans and give you one monthly payment.
Whether you’re just beginning to repay your student debt or have been slogging through payments for several years, you’ve probably wondered “Am I going about this right?
If you are unemployed, you may be eligible for a deferment for up to three years.
Other situations in which you may be granted a deferment are if you are enrolled at least half-time in college, during active duty military service, or in an approved graduate fellowship or period of service (e.g., Peace Corps).
This is where you might consider consolidating or refinancing your student loans.
If you just have federal student loans, consolidation is the way to go.