If you’re struggling with school debt (and who isn’t!) then you may need to find out if you can consolidate all your school loans into one. By doing this, you may be able to pay a lower monthly repayment each month, if you can get a good deal with a longer term and lower interest rate.By doing this, you may be able to save your credit history. If you run the risk of paying your loans late because you’re having problems scraping together the repayments every month, then a consolidation program may be a good option for you.Private student loan consolidation can help give you your life back! By having more money in your purse each month, you’ll have the peace of mind that comes with knowing you have enough money available each month to pay all your bills on time.It’s important that you take a good look at your finances so you know if you can afford the lifestyle you’re currently living. If you can’t, then even if you can get a lower monthly repayment by consolidating your school debt, then you may still find yourself in financial trouble.This is because you’re running out of money every month before you pay all the bills that are due. The only way to fix this problem is to cut your expenses. This may mean that you have to cut down on the number of times you eat out every week, or go out with friends.This may seem hard at first, but surely it’s better to live within your means than ruin your credit rating?Private student loan consolidation can help you repay your school debt, if you can get a better interest rate and a longer term than you have now. And don’t forget to run your eye over your finances every now and then, to make sure you can afford to live your current lifestyle.