Student Loans are available to attend the college or university of your choice. You can apply for student loans online. Student debt, being unlikely to be the largest debt owed by a person may be best managed in consolidated student loans.Private student loans are based on an applicant’s credit worthiness, often require a co-signer, are not need based, and upon approval the funds are usually sent direct to the applicant. Though Schoolwork.org does not offer students financial adviser, we are happy to provide tips, info and opinions. Private loans may be the answer! Private loans also do not offer the opportunities for cancellation or loan forgiveness that are available on many federal loan programs. So it makes good financial sense to exhaust your federal loan options (as well as grants and scholarships) before considering loans from any private companies.Consolidation loans for debts you accrued as a student are available even if you have a bad credit history or have had judgments against you. The repayment terms can range from 5 to 30 years depending on the total of the outstanding balances and a monthly payment that meets your needs. Consolidation interest rates can be much lower (under 2%), but this comes with very specific requirements – like good repayment history. Consolidating your loans under one loan may be a step in the right direction toward simplifying your life.Consolidate your debt into one lower payment, avoid bankruptcy, and be debt free in as little as 12-48 months. Consolidating student loans doesn’t take long, but you should take your time when selecting a consolidating lender.