Private Student Loans still have to meet federal requirements like any other loan offered from a bank or other financial lender. However, within those rules, there can be a wide variety in what is offered between agencies. In order to get control of what can be four to eight years of loans depending on the degrees sought, many graduates will pursue Consolidation for their Private Student Loans. Below is a list of some of the larger private student loan consolidation companies along with some terms of their programs. While many of these lenders will also consolidate your federal loans, we must advise you that this is not something you want to do unless you absolutely must.  Many federal loans offer benefits such as student loan forgiveness, and income based payments,  that are not offered with private loans.  By consolidating your federal loans with your private, you will lost many of these benefits.