Am I entitled to the same deferments that I had with my Direct subsidized and Direct unsubsidized loans?
Consolidation loans have most of the same deferments that Direct subsidized and Direct unsubsidized loans have.
Who can help me decide if consolidation is right for me?
You can contact the Direct Loan servicer or your school financial aid office for more information about consolidation. If you have multiple student loans at different interest rates and want to know what the interest rate will be for a Consolidation loan, TG's Consolidation Calculator can help you make that determination.
It's a good idea to ask the servicer to figure out what your monthly payment will be if you consolidate and how long it will take to pay the total loan balance.