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"He/she will know about the latest interest rates and schemes available for students and the eligibility criteria required availing of such loans."

A consolidation loan is always to be considered as a last resort as mentioned by the government student loan consolidation service and most importantly if you are to take out a loan, make sure the timing is right.

You can then go for a federal loan or a non-federal loan.

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"Overall, the interest rates will vary on individual circumstances but credit rating has a major holding on a private loan along with the total income of a student and a poorer rating will mean a higher interest rate, with the average as of 2005 being 7% of the total but it could be as high as 9%."
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"There are benefits for students that are eligible for the service and the best one is you are able to alter your repayment period freely and without hassle, a slight increase will be added to the entire repayment term but this can reduce monthly payments."
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"In a similar manner, spouses too can bunch together their liabilities under the umbrella of one private college consolidation loan."

The consolidation offer will cover all types of federal educational loans, including some private loans as well.