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Depending on your situation, using a Direct Consolidation Loan could be a great strategy to help pay down your debts more quickly: If tracking all your student loan payments is driving you crazy, Direct Loan Consolidation may inject a well-needed dose of sanity into your life and budget.

Check the federal student aid website for a list of the types of loans that qualify.

While a Direct Consolidation Loan may be beneficial to some, there may be other strategies you can use to save more as you pay down your student debt.

Certain loans, including private student loans, don’t qualify for the Direct Loan Consolidation program.

If you have a lot of federal student loans, it can be hard to keep track of everything.

Direct Loan Consolidation can help simplify your student loan repayment strategy and may even lower your monthly payments.

But you’ll need to make extra payments to shorten the repayment period.

So, if you have a loan or loans with significantly higher interest rates, it may be better to leave those out of a consolidation and focus your early repayment efforts on them to get rid of them more quickly.

Plus, if you are eligible for Public Service Loan Forgiveness (PSLF), which provides tax-free forgiveness after 120 qualifying payments, it’s to your benefit to consolidate so that you’re eligible for income-driven plans.

Even if you’re not eligible for PSLF, the regular forgiveness options under IDR plans shouldn’t be ignored.

This is accomplished by lengthening the repayment term, which means you’ll pay more in interest over the lifetime of the loan.

If your goal is to pay as little interest as possible, consolidation may still work out.

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