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Concentrate your efforts on reputable lenders, such as federal lending programs (Direct Consolidation Loans) or nonprofit organizations that offer debt consolidation services. It’s a smart idea to start out your search by looking the Internet for advice from other grads who have recently consolidated. For many students and/or grads, the monthly financial burden may prove to be impossible to manage; that’s a situation where consolidation may benefit.Rolling all of your student loan debtcollege debt into one loan has its advantages and disadvantages. There are countless online debt consolidation companies to pick from, so beginning your search for one can be quite overwhelming. The good points include smaller monthly payments and that it’s much easier to manage one loan than several.