If you’ve recently graduated from a 4-year institution, or will soon, you may be thinking about that debt you’ve been accumulating. With a combination of subsidised and unsubsidised federal loans, plus any private loans you may have accepted, navigating the repayment terms and interest rates can be exceptionally complex. To avoid missing payments or paying a higher interest rate than you need to, you might consider consolidating your debt into a single easy payment at an affordable rate. Read on to learn more about how debt consolidation works and discover if a consolidation loan is right for you. Already know that a consolidation loan is right for your needs?